WillisBack/dataset-financial-user-claim huggingface dataset:
I have contacted Jefferson Capital systems LLC, several times to stop harrasing and falsely reporting an alleged debt with a company that I never did business with, XXXX. This issue was settled and dismissed years ago but they have continued to harrass and unlawfully report and list on my credit report time and time again, this was removed from my credit report they they continue to report it time and time again in the last 3 years, just constant harrazment. I have threatened to report them to the FTC for trying to collect on a zombie debt that passed all time limitations. They also when I have complained they have sold this debt to other collection agencies for collection and the harrazment continues thank you XXXX XXXX XXXX XXXX,
I receive calls weekly if not daily in regards to my student loan that was originally with XXXX XXXX and has been transferred to Navient. Due to hardship and change of financial situation the amount they want me to pay is {$100.00} and my original payments were {$80.00}. I currently can only make {$50.00} maximum payment on my loans and they will not accept this payment. I have been fighting this since XXXX and have had no success.
BBVA charged me overdraft fees for transactions that were not honored making the account balance negative and they will not close the account.
I WAS A VICTIM OF FRAUD I BELIEVE SOMEONE GOT ON TO MY ACCOUNT AND ADDED A XXXX XXXX XXXXXXXX CHECKING ACCOUNT ON MY ACCOUNT WITH XXXX CARD PAYMENTS WERE MADE IN THE AMOUNTS OF {$1700.00} & {$1900.00} THEN THE CREDIT CARD COMPANY CREDITED MY ACCOUNT, BUT WHEN THE BANK TOLD THEM THERE WERE NO FUNDS IN THE ACCOUNT THE CREDIT CARD COMPANY CHARGED MY BACK WITH THE AMOUNTS OF {$1700.00} & {$1900.00} I DID CALL THEM TO EXPLAIN THE PROBLEM BUT THEY REFUSED TO HELP. 
PLEASE HELP ME RESOLVE THIS ISSUE ASAP THANK YOU
I have tried multiple times over the years ( when it was XXXX XXXX, and now Navient ) to get my loan refinanced to a reasonable point to no avail. I was told my only option was pay {$50.00} and place on forbearance, but with the stipulation, that you only get up to 12 months for the LIFE of the loan ( that they forced me to take at least once ), So I struggled for along time. I couldn't even combine it with other student loans, because it was " private '' and they'd rather watch me squirm than get anything. 

I'm now out of work for 3 months, not able to pay a dime as unemployment does not stretch for anything. I've tried asking for help multiple times, to be basically told, " too bad. '' The only way I got anywhere was literally yelling at them, and even then I think all I did was frustrate me more. 

The worst part has now become that they have gotten a 3rd party involved to " find '' me, and harass me at least 5 times in the last week, who will not give me any info unless I give them information I'm not comfortable giving, including who the " company '' was. That the only reason I knew it was Navient is because I called them again on XX/XX/18, and they admitted it.
A little over a year ago my student loan was taken by Fed Loan Servicing and I filed the paper work for the Student loan Public service payment plan XX/XX/XXXX came time to file again XX/XX/XXXX and I have submitted the same paper work again and forced on forbearance for months while interest accrued, the company said " you did n't submit the correct paperwork, XXXX, pay stubs, etc .... '' can not talk to anyone their because every person has a different answer, I am a single father working in XXXX, working or trying to work towards student loan forgiveness plan. I was making XXXX payments, now have over XXXX in interest payments and still no payment plan in site!!!!!!!!
I attempted to make a payment on the company 's website, and they took the money, however, I received written correspondence stating that they wo n't honor the payment to my account.
Victim 's debit card was used to fraudulently withdraw {$27000.00} from my Checking and Money Market accounts with SunTrust. 
On XX/XX/XXXX, Victim filed an online report of fraud ( Claim XXXX ) with SunTrust 's Fraud Department On or about XX/XX/XXXX, Victim filed a report with XXXX Police ( Case # XXXX. Note : On page XXXX of said report, the alleged offender acknowledged his guilt. 
On/about XX/XX/XXXX, Victim prepared and filed FTC complaint XXXX. 
On/about XX/XX/XXXX, Victim filed a 2nd compliant with XXXX Police Department ( Case # XXXX ), XXXX Police Department, XXXX, GA XXXX, Phone : ( XXXX ) XXXX On XX/XX/XXXX, Victim filed a report with XXXX XXXX Police Department ( Case # XXXX, XXXX XXXX Police Department, XXXX, GA XXXX, Phone : ( XXXX ) XXXX On/about XX/XX/XXXX, Victim filed a FBI Internet Crime Complaint Center ( ICXXXX ) # XXXX
I applied for a Chase credit card and was told that I was denied when I called. The reason for denial given was because I have a charged off credit card with chase. I have never had a chase account of any sort. The rep on the phone was unable to give me more details other than what she provided. 

My social security # is XXXX
In XXXX of 2016 my wallet was stolen. I filed a police report with my local law enforcement : XXXX Police Department. Soon thereafter my identity was used to acquired various accounts, namely a car loan at XXXX in XXXX CA. They opened an auto loan with Chrysler Capital. Once this was brought to my attention I immediately contacted the detective I was working with at the XXXX Police Department. The detective contacted the General Manager, XXXX at XXXX XXXX and after a thorough investigation it was deemed by the General Manger, XXXX at XXXX as well as the detective with the XXXX Police Department that this loan was in fact fraud. I am providing ALL documentation to evidence such. I have requested multiple times that XXXX Bureaus removed the Charge Off showing under my name with Chrysler Capital and XXXX Bureaus as well as Chrysler Capital are REFUSING to remove this fraudulent information which is preventing me from qualifying for a home loan and other type of credit.
Our firm, XXXX has been monitoring our client 's request for mortgage assistance to Bank of America to ensure its compliance with Regulation X. For the past few months, our client has been trying to get her application reviewed by Bank of America however, Bank of America has failed to act diligently and now our client faces a serious concern of losing her home. The borrower submitted a Loss Mitigation Application to Bank of America on XX/XX/2016 via facsimile transmission. We emailed an exact copy to Bank of America 's counsel at XXXX ( " XXXX '' ) on XXXX after discovering XXXX specifically requested the borrower direct any and all loss mitigation communication to their office only and not to send anything directly to the bank. An attorney at XXXX confirmed with our firm the borrower 's Application was submitted to Bank of America for review. Subsequently, XXXX requested additional documents from the borrower needed to complete the review of her Application. All of the requested documents listed in XXXX letter were submitted to XXXX by the stated deadline via e-mail and certified mail on XX/XX/2016. Pursuant to a letter from XXXX dated XX/XX/2016, there was no foreclosure sale scheduled as of the letter date according to Bank of America. 

After receiving a separate letter from Bank of America regarding the documents needed for the modification review, we sent an email to XXXX to confirm the list of items we received from their office on XX/XX/XXXX was up to date and an accurate list of all that was needed for the review. XXXX confirmed via email that the list they sent us was correct and advised that the documents we submitted to them on XX/XX/XXXX were being reviewed by Bank of America and they would advise if anything further was needed. Nothing further was ever requested by XXXX or Bank of America after we submitted the additional documents on XX/XX/XXXX. The borrower never received any notification or information pertaining to the results of her loss mitigation review. Despite the foregoing, our client was notified there is now a foreclosure sale date scheduled for her home. We believe this is clear violation of the prohibition against dual tracking pursuant to 12 C.F.R. 1024.41 ( g ). 

Additionally, we received a letter from Bank of America a few days ago alleging it never received a complete application from the borrower. We believe this to be an inaccurate statement and error given the aforementioned chain of events and communication between our office and the attorneys at XXXX. At no point after the borrower submitted the requested documents to XXXX as instructed on XX/XX/XXXX did Bank of America or XXXX request additional items or inform the borrower that her application remained incomplete. Pursuant to 12 C.F.R. 1024.41, Bank of America is required to diligently review applications and promptly request additional documents when necessary.
On XX/XX/XXXX, I reported the unethical manner in which a law firm/collection agency obtained a judgment for their client. The reference number for this case is XXXX, ( still under investigation as of today 's date ) within this complaint I detailed how this process will greatly harm me and my family. Well just like I proposed in my complaint -- the three reporting credit agency included this information on my credit reports as of XX/XX/XXXX, my credit score has decrease 35 points. I am requesting again that this agency intervened in this process, upon reviewing my previous submitted complaint you will find that I reference my concerns as it pertains to my credit report and how this information will affect my credit score.
I have disputed an account with all three credit bureaus repeatedly and reached out to XXXX XXXX XXXX regarding debt validation of an account that is reported on my consumer credit report with Equifax, XXXX, and XXXX. No one has yet to validate this debt! 

Also, I have requested for Bureaus to remove hard inquiries from my Credit Profile that I did not request as well as incorrect addresses which to date all still remain. This has been done by phone, fax, email, as well as mail.
I am writing in reference to a tax lien that is reporting on my Transunion credit report as XXXX XXXX. This lien has been satisfied and released since XXXX and I have filed numerous investigations in efforts to having this public record removed ; however, Transunion is not cooperating even after a new law stating that they must be removed from the report as of XXXX XXXX, XXXX.
Experian has incorrect information my credit report. I have written them twice to correct the report errors, on XX/XX/XXXX and XX/XX/2018. The information contained the report is in error and has adversely affected my credit score. Further, it has resulted in an increase in my APR on my XXXX XXXX account. I have not received a reply to my letters in any form or manner. They show delinquencies which is incorrect, high balances on revolving credit cards which is incorrect ( all my cards with one exception have a XXXX balance ), they show I have recent personal loans outstanding which is incorrect, they have us residing at an address we have never owned or resided at. All of this was brought to their attention in my letter of XX/XX/XXXX and follow up of XX/XX/XXXX, with no response from them.
I have received over a XXXX of phone calls from Midland Credit Management. It 's a debt collection company and every time they call and I pick up, they automatically hang up on me. Then when I call the number and speak to a customer service representative they say my name is not on their list and that they 'll stop calling me. Unfortunately, they keep calling XXXX a day and say the same thing over and over every time I talk to them on the phone.
I contacted Transunion via phone call in XXXX XXXX, 2017 to have them remove INACCURATE information that was reporting from 3 companies, XXXX XXXX XXXX, XXXX XXXX, and XXXX  XXXX, and inaccurate addresses and phone numbers also. The customer service rep I spoke with was very nice and pleasant, and went through each line on my credit report. She said she was making the changes as we spoke, and that I would received an updated/corrected credit report within 30 days. I was ecstatic, as I have been trying for so long going back and forth via mail and online disputes to get this corrected, so when the customer service rep informed me that it would be taken care of, I was happy she was able to assist me, as I am going through the home buying process as a first time home buyer and the inaccurate information was bringing down my credit score. well, today, I received a credit report from transunion, and could not believe that NOTHING was done. The report states that the accounts were verified, and all the inaccurate addresses and phone numbers the customer service rep and I went through were still there! very upsetting. I am requesting that these items be deleted from my credit report asap, and my address and phone numbers be updated. I appreciate your assistance very much.
XX/XX/XXXX mailed check for balance listed on credit report : {$310.00} Called several times to check the receipt of the payment. Contacted attorney for cashed check proof it was emailed to me. XX/XX/XXXX emailed proof of cashed check to XXXX XXXX to # XXXX XX/XX/XXXX sent an email to XXXX as directed with all proofs that I had previously submitted.
To this day I have heard nothing, and my credit file continues to show that I owe on this account.
I have had many problems with Wells Fargo and they recently sent me a check as liquidated damages for opening fake accounts in my name. More importantly though from XXXX through XXXX I have been charges bogus " account analysis '' fees on several accounts ( including dormant account ) for which absolutely no services were rendered. I had never agree ( at least knowingly ) to pay these fees and still don't understand what exactly they are meant to be for. It is for sure another Wells Fargo scam. As they were small monthly amounts that always varied, I did not notice them. When I finally managed to talk to somebody - they suggested that they reverse a couple of month. I asked WF for complete accounting and much to my horror was told that I had been charged a total of {$9100.00} in fees - so with interset this is way over {$10000.00}. I assume they have done this with millions of clients so they defrauded their customers potentially for billions of $ 's I have all the back up. 

Here is the email I received from them. It's outrageous. First they opoen ficticious accounts in my name and now this! 

Hello XXXX, As promised, I have the total fees for all accounts. Please let us know if you have any questions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$310.00} XXXX - {$330.00} XXXX XXXX XXXX XXXX XXXX - {$390.00} XXXX - {$710.00} XXXX - {$720.00} XXXX XXXX XXXX XXXX XXXX - {$240.00} XXXX - {$250.00} ( {$90.00} was previously waived ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX - {$190.00} XXXX - {$430.00} XXXX - {$690.00} XXXX - {$1000.00} XXXX - {$950.00} XXXX XXXX, XXXX XXXX XXXX - {$550.00} XXXX - {$390.00} Total - {$9100.00} Kindest regards, XXXX XXXX XXXX Banking Relationship Specialist ( LO ) Regional Business Relationship Management
My father died in XX/XX/2014. He had a reverse mortgage on his home. This company, XXXX, initially told me to provide a copy of the will, death certificate and request for extension on the loan so that I could sell the property once the probate court issued the Letters of Administration to me as the executor of the estate. XXXX then for XXXX months refused to speak with me advising that I was not the borrower while simultaneously acknowledging that the borrower had died. I filed a complaint with the California XXXX XXXX and XXXX finally acknowledged I had provided everything they needed to speak with me and to review an extension, but they also began foreclosure proceedings on the home. Now, although they have provided me an extension until XX/XX/2015 to sell the home they have filed default with the county where the home is located. They have yet to respond to any of my requests asking to resolve this seemingly unethical behavior. Their hired attorney refuses to return my calls or requests for information in writing. They filed the default while having all of the information they requested to provide an extension. There is equity in my father 's home and I believe this is why they are acting unethically. I believe they are trying to obtain the property through underhanded tactics.
Transunion is reporting a collection item by XXXX XXXX that is not a validated debt. I have asked for this information from them but they will not provide it to me. They say they previously sent it to me but I have not received anything. In my recent complaint about them through consumer finance they said they sent me a notice in 2013, but I never received the notice and invoice they say they sent to me. 
I am disputing this debt because I am not being given enough information to figure out what these charges are specifically for. I gave XXXX of XXXX XXXX the proper notice, letting them know I was moving at the end of XXXX of 2013. I believe they are trying to charge me for rent after we moved out. There should be no late fees because I provided notice. What is the misc Fee I? Why is there a Pest Charged Owed? Why am I being charged {$430.00} for rent - for what time period? How is this being calculated? What is the prorata amount and how many days am I being charged for? Why is there a utility reimbursement for trash, sewer and water? Where is the proof that XXXX of XXXX XXXX assigned this collection item to XXXX XXXX? How did they verify with XXXX of XXXX XXXX that these charges are valid, legitimately owed, and properly calculated? Did they simply look at a statement and take it as face value? How do I know they are licensed to collect in the State of Ohio where I reside? They have n't provided me with their license number and registered agent as I requested. I want this item removed from my credit report because it is an unvalidated debt.
Sounds like I 'm being sued. Calls everyday with same harassing robo message. They neglect to identify who 's calling, therefore I will not answer, especially while I 'm at work. Message is obviously meant to intimidate.
Hello, I have received notice on my XXXX and XXXX credit report stating that I owe {$660.00} to XXXX and this is impossible due I have currently have my cell phone, internet, home line through them for over 10 years. There must be a mix up somewhere. I called XXXX and they have no record of this, They dont want to lose a value customer over a misunderstanding somewhere but not on there end. Please look into this. This is affecting my reports. 

Thanks, XXXX XXXX
XXXX XXXX XXXX has been fraudulently reporting false information to all three credit bureaus. I sent my mortgage payment receipts to all three credit bureaus and they could not settle my disputes, because XXXX XXXX continued to falsify their reports. I contacted the XXXX XXXX Department in XX/XX/XXXX when I received my first collection letter, and someone named XXXX XXXX told me that the XXXX XXXX Department did not send out that letter. That letter was sent out by the Customer Service Department, and he could clearly see my XX/XX/XXXX mortgage payment " in the system. '' I have spoken to the Customer Service Department every month, and the Customer Service Supervisor, XXXX XXXX, states that she will take care of this, but she never does. I called XXXX XXXX in the Collections Department at least four times in XX/XX/XXXX and XXXX, and he stated that he would contact XXXX XXXX directly himself to see whether he could get this resolved for me. He later told me that he spoke with her and she would take care of it. I tried to file a complaint with FTC, but that phone number and website only referred me to CFPB. I will be going to the U.S. Attorney 's Office in XXXX XXXX, XXXX. tomorrow morning with all the copies of my documentation. A nice lady at Transunion Special Handling finally told me that the reason they could not resolve my dispute with my payment receipt of {$700.00} is because they do not know how much I really owe, only that I paid {$700.00} every month. That gave me the idea to start my upload of documents with my mortgage payment slip for XXXX 2015 showing that I owe $ XXXX monthly with a late date of XXXX XXXX. I paid on XXXX XXXX online which was processed on XXXX XXXX. The reason that my payment stub was not used or stamped is that I paid online. In addition to the receipts for my online payments for XXXX, XXXX, and XXXX, I am uploading my XXXX checking account statements which show that my online payments were actually a transfer each month from my XXXX checking account to my XXXX mortgage account in the amount of {$700.00}. I do not understand why people or institutions commit fraud and why they are so bold as to continue the fraud each month, but I believe that this is their " standard business practice '' or I would have filed an EEO complaint. I can only speculate that their intent is to lower my credit score so that I will not be able to get a lower interest rate with a different bank. Please send this complaint to Transunion as the original dispute case number is the one for that credit bureau. I suppose that I will have to make XXXX complaints to settle all three credit bureau 's reporting. XXXX is in violation of the Fair Credit Reporting Act and I know that I can sue them, but I would have to wait until XXXX, because I would not want to miss a court date during a summer trip to XXXX. I would prefer that they receive criminal penalties, so I will be asking the U.S. Attorney 's Office tomorrow for guidance to see whether they will show me how to file a criminal complaint against the bank, not against the credit reporting agencies.
I received this notification and I have no idea who this company is. It states original creditor is XXXX. My last contact with XXXX was XX/XX/XXXX. I was receiving calls from an unknown caller and I blocked the number because of repeated calls. I received a message via voicemail and the caller stated that this call is for XXXX ( which is my name ). When stating his/her name and the name of the company the voice sound was muzzled and incomprehensible. I do n't owe this company and my attempt to notify them in writing ( with return receipt ) will be unsuccessful because they did n't provide me with a physical address - they provided a P.O. Box. Please help me if you can. Thank you in advance and I look forward to hearing from you. 

Sincerely,
I am having issues with Equifax. They are not reinvestigating information that needs to be deleted due to age. Their online system does not allow me to dispute, their telephone system does not allow me to dispute and they never respond to mail disputes. This is ridiculous. I have been trying since XX/XX/XXXX to get 2 items removed that are past the 7 year reporting period. Equifax needs to be put out of business because they obviously can not accurately report items. 

I need the following 2 accounts deleted due to being reported past the statutory reporting period. 

XXXX XXXX XXXX # XXXX this is over 7 years old. The Date of First Delinquency is listed as XX/XX/XXXX but it really was XX/XX/XXXX. This should be DELETED due to age. 

XXXX XXXX XXXX XXXX # XXXX this is over 7 years old. The Date of First Delinquency is listed as 01/2011 but it really was XX/XX/XXXX. This should be DELETED due to age. 

My most recent confirmation # is XXXX
This account was discharged in bankruptcy XX/XX/2010 over six years ago. The account was XXXX INC AND RECENTLY TRANSWORLD SYSTEMS INC. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, SC XXXX ( a collection agency for XXXX ) has sent a threatening letter demanding payment for really I have no clue what. It does n't break down what its for or why we owe this amount. Its been over 7 years since we had XXXX service at a home that was discharged in the bankruptcy as well. Ive since contacted my lawyer and if another letter is sent we can sue and get paid for harassment. After all bankruptcy is hard but its for a fresh start and not to be harassed nearly 7 years later.