WillisBack/dataset-financial-user-claim huggingface dataset:
A collection company lvnv is reporting XXXX accounts under collection that are zombie debts. LVNV created a reporting date of XXXX 2015 that is well past the statue of limitations for the collection of the XXXX debts. Additionally those XXXX debts were settled with the original lender through XXXX XXXX who your agency sued. I have sent certified mailing to all XXXX bureaus and the collection company demanding they remove collection from reporting, and to cease and exist.
I had a hard credit inquiry done by Credco without my permission and knowledge, please remove this off my credit. It was done on XX/XX/2017.
Wells Fargo Bank initiated predatory Lending on our Company and commercial real estate loan. WF had an employee of the bank come to our office 2 times and present us a SWAP Derivative that said the product would protect us from interest rates climbing. The product co-mingled our commercial loans interest reserves with this separate instrument and WF deducted over {$500000.00} worth of payments from our account without us knowing about it. WE know of a half a dozen WF customers that this also happened to who went Bankrupt because of WF predatory lending.
Spoke with all three credit bureaus about old inquiries that were on my credit report that I did not authorize some from car dealers and XXXX XXXX XXXX and mortgage loans that I did not authorize was told to contact the companies which I did and still they refused to remove the unauthorized inquiries
I was asked to deposit funds into the account at Wells Fargo XX/XX/18 from a fraud charge of a credit card through my company
With this reporting agency the Tax Lien has expired according to trans union this case will not be resolved due to the fact of their policies, but why other agencies like XXXX and XXXX had removed the tax lien report from their list, all XXXX agencies operate under the same policies and compliance and also the merchants whom consult with tax lien removal will constantly send me mail which is very annoying.
On X/XX/2017, I mailed a dispute letter to XX/XX/XXXX asking them to remove a negative account, XXXX XXXX XXXX from my credit report OR to verify that the debt belonged to me and to send me the name, address and phone number of the person that verified the debt. I wanted them to obtain physical proof. The dispute result came back as " updated and verified ''. In addition, XX/XX/XXXX has allowed this company to raise the balance owed on more than one occasion. I have NO open account with this company and yet, XX/XX/XXXX keeps allowing them to raise the balance. I am desperately trying to buy a home and this is keeping me from that goal.
XXXX XXXX XXXX XXXX was forfeited on XX/XX/XXXX. XX/XX/XXXX I received an alert XXXX XXXX XXXX XXXX entered a derogatory collection account due in the amount of {$340.00}. In result of Equifax dispute, XXXX XXXX XXXX back dated account to XX/XX/XXXX in the amount of {$340.00} with Original Creditor name being XXXX. XXXX XXXX XXXX XXXX is not in good standing in the State Of Maryland.
I called my mortage lender to ask for assistance. The first time I called and asked could i have the payment changed to the end of the month i was told 'No '' and the lady began to tell me the reason they choose the XXXX of every month to the point she was talking to me like a child. I have lost some income and reached out to XXXX which advised me to call them and ask if they have any assistance options for me. I called and spoke to XXXX which handles my account when i asked for the retention department. XXXX went off and said they gave me assistance when they gave me the {$74000.00} loan and I had one late payment in XX/XX/XXXX. he then said you have lost of income, i said Yes SSI, he then said you did n't know it was going to end. I said it was income when I applied, so are you telling me you ca n't help me? he then transferred me to his manager XXXX he was then rude and went down the line saying when I made payments and XXXX told him why I was calling and I got my answer. My point is I love my home and all I asked was that they move the payments to the end of the month and was very disrespected and talked to like a DOG. I then hung up on XXXX. I will never in my LIfe do business with 21st Mortaga that will not allow individuals assistance when they are reaching out for help.
I am doing XXXX complaints to each bureau because I have disputed many times the account XXXX XXXX. This account from years ago is not mine and all I ask is for it to be deleted off of my credit report. A similar credit card by the same company was issued in my name as well but I did get that one disputed back in 2008. So please delete this one as well as it is not mine.
Account Control Bureau Contacted me by mail regarding an account with a company " Under The Sun XXXX XXXX '' I responded with the attached e-mail to XXXXXXXXXXXX " Disputing the validity of the debt '' on XXXX XXXX XXXX. Account Control Bureau did not investigate or provide any documentation or communication of the results of any investigation. Account Control Bureau placed derogatory information on my credit file with the credit bureau 's in violation of my rights as a consumer to challenge the debt.
I had a student loan with XXXX XXXX. It was the worst experience I ever had with a company. They do not care about their customers at all. I have been bullied by these people before. When I was struggling to make payments I actually had someone tel me I should n't have take out a loan I could n't pay back, and question why I would take out a loan I ca n't pay pay back. but life happens and I fell on hard times like many Americans and this company did n't even offer to help me one bit. I had catch up on payments before I could do a forbearance with them. At that time my fianc was sick with XXXX and not working and my paychecks went to keeping a roof over our heads. 

One time I had someone call me for a payment during my grace period and when I told them I was driving and would do it online later ; responded by telling me she would wait for me to pull over to give her my information. I honestly have never had XXXX good experience with this company. 

Then Navient took over my loan and I thought it would be better but it was n't. It was the same bullies operating under and different name. These people call you after XXXX 7 days a week and on holidays. Like most people life happened again and I could n't afford my payments they were one {$200.00} a month. I tried to do another forbearance but the man I spoke to told me I could n't I had used them all up. In the end I somehow got rigged into paying more than my normal monthly payment to " catch up ''. 
Recently, XXXX started the process to refinance my loans and while dealing with this company a " manager '' that I spoke with literally gave me a XXXX XXXX. He was yelling at me about making payments and they told me he was going to sue to me. I could n't believe the way this guy spoke to me like I was trash, trying to better myself because they were n't helping me. They kept saying they could help but no option helped because it ended with me paymore than I could afford. I was very willing to pay them but they did n't care to offer me anything to help me make affordable payments. 

I could go on and on I have been dealing with these people for almost 10 years. 

There is even a XXXX page called I hate XXXX XXXX. How these companies have gotten away with this for so long is crazy. I have been keeping record of how they have violated the law with there calling to collect funds and things they have said. Because they probably do n't keep record of the phone calls that end up with customers in tears. 

I work for a company that works with XXXX XXXX and I would never in my right mind suggest or let someone take out a loan with Navient or XXXX XXXX
Debt was placed on my credit without my knowledge and I had never received any collection notices ( 3 as required ) before hand about the debt. I just so happened to notice it when I checked my credit one day. I asked the company to verify the debt to be mine, 100 % accurate as well true and verifiable according to reporting laws and they did not. They refused and told me they had a right to collect regardless when I contacted them.
I have NEVER Had an account with XXXX XXXX this is crazy I do not owe this company anything. I have fought this many times and it is still listed on my credit file I need help I do not owe nor ever opened up an account like this. This company is a scam
XXXX : contacted Best Buy Citibank for charge found from XXXX of {$100.00} interest payment that didnt make any sense. Called them and they said there is a deferred interest rate. I told them I never check my statements, have an auto pay + {$5.00} till the bill got paid. I didnt use the card anywhere else and couldnt understand why I had to keep paying towards such a small original amount of {$500.00}. XXXX the management accused me of not looking at my statement and said she wont void the deferred interest charge. I would of never signed up and was mislead as to a deferred program. I could of paid off the credit card on time if I was aware of this obsured policy. I know other people have been mislead through this company ripping people off. Cheap business idea.
My vehicle was totaled on XXXX/XXXX/XXXX I had full coverage and GAP insurance. On XXXX/XXXX/XXXX I was advised there is a balance of {$380.00} remaining on my loan. When the insurance company spoke with Capital One XXXX they were provided a 10 day payoff amount good thru XXXX. The payment was not received by Capital One XXXX until XXXX/XXXX/XXXX. Which incurred additional charges. After speaking with the XXXX XXXX XXXX XXXX she states Capital One XXXX did not provide the letter of guarantee until XXXX/XXXX/XXXX and was requested XXXX/XXXX/XXXX. Which caused the delay in the payment, causing additional charges. She also advised me that they should not have been charging me interest after they were notified the vehicle was totaled. She also told me to file this complaint. I do not have any money to pay a balance especially when I should not have a balance. This is no fault of mine in any way. I provided the needed information to all parties in a timely manner.
XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX, has a late fee policy that is gauging and loan sharking consumers by applying high late fees and on top of the late fees 29 % interest on the late fees, a double penalty to the consumer. These fees are incredibly higher than what mortgage company charges. Worst all, the customer service reps ( CSRs ) are measured by the number of fees they " do not '' remove and the number of " courtesy removals '' not applied. Upon these CSR reaching their goals, they receive bonuses that those bonuses are greater in the executive management hierarchy. Just look at these companies SEC filings!
I lived in an apartment for 3 years, noone did a walk through when I moved in, and the XXXX managemant company to take over the apartments just 60 days or so before I vacated wants to hold me to the terms of a lease I never signed. The XXXX in XXXX, WA representing the XXXX in XXXX, WA. Despite repeated attempts to contact them regarding this unfair charge, they sent me to collections for charges I do not legally owe. and ignored my XX/XX/2015 email asking for the charges to be corrected.
On XX/XX/XXXX, I requested a credit report and for my surprise, the mortgage company XXXX  XXXX XXXX XXXX XXXX had not reported my payments for the last two years even though I paid them monthly. The explanation they gave me when I contacted them by phone that same day was that : I did a bankruptcy on XX/XX/XXXX and they did not have my letter of reaffirmation of the debt and they closed my account. I sent them by fax on XX/XX/XXXX the document included in the bankruptcy where I reaffirm my intention to keep the house and the debt. After a lot of insisting, two weeks later they told me that the documents were enough and that soon their bankruptcy department of XXXX would contact me. When I did not receive a response in more than 10 days, I contacted them again and they told me that this was not the document they needed. My lawyer faxed them on XX/XX/XXXX a copy of the documents presented in the bankruptcy and a letter explaining that the document in question was presented in wich I reaffirm the debt with them and my intention to keep my house. XXXX insists on not reporting my payments to the credit bureau and continues to report the account as closed, even though I keep sending my payments on time every month.
Wells Fargo loan number # XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX ON XX/XX/XXXX Wells Fargo Home preservation Specialist refuses to grant my request to file an Home Affordable Modification application, additionally specialist informed me that I was to close to the foreclosure sell, I also ask for my entire file regarding loan modification file that was submitted in XX/XX/XXXX, that was decline, and then representative transfer me over to personnel that was unwilling to resolve my request, No representative was willing help me regarding prior years invoices from the dates of ; XX/XX/XXXX to present, I was not receiving my invoices therefore i am disputing amount that is unpaid which is : XX/XX/XXXX information regarding XX/XX/XXXX home preservation file is not accurate in which i was decline on wrongful income amount, after receiving this information i immediately contacted Wells Fargo Home preservationist officer and inform XXXX XXXX XXXX that information regarding income is not accurate yet XXXX XXXX informed me and my the Attorney that Wells Fargo bank will not proceed any further on loan modifications therefore placing us in foreclosure status. 
I ask the CFPB will correct Wells Fargo mismanagement of Government funding by not allowing consumers to apply for loan modification
We have made numerous complaints against this company that claims we are in bankruptcy which we are not. All I want is a payment history for this year. I have only got things when I complain. They told us to see are lawer. We dont have one. No bankruptcy. This comyshould be closed down .we pay XXXX $ every month to them. This is our own information. 
Specialized Loan Servicing XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Co XXXX Loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX Thank you
I'm making this complaint for the return of my private mortgage insurance for which I have been paying to XXXX mortgage company from XXXX to XXXX in the amount of {$130.00} dollars a month my research indicates I am qualified and should be refunded
Synchrony closed my credit account with out any notification. I just received a statement with a due date XX/XX/XXXX. I pay every month for unemployment protection. I recently switched jobs and fell behind 60 days now. They closed out my account and sent it to a collection. I would like to know why I was not sent anything showing that there was going to be a significant change to my account such as closing it, according to the card act of XX/XX/2009 they are suppose to send a 45 day notice of such a change? Why am I not able to use the protection I've been paying monthly for over a year now that I was unemployed. They are deceiving their customers and closing out accounts without helping customers!
XXXX from prelegal office for covering management solution has called SEVERAL TIMES. Every time he has stated we have to call back by end of business today and in addition when he talked to my husband he told my husband that they were going to garnish his wages, and seize his vehicles. There was never a lawsuit filed. We have NOT received anything via Mail, just harassing phone calls. I called him back and he told me it was a recorded line and I asked him if he had a judgement and he said no I told him that he has not sued us and he can not threaten us like this and he preceded to talk over me and told me to visit their website.
This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$140.00} with XXXX, XXXX & XXXX credit reporting agencies. I requested full validation of debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof. According to 623 ( a ) ( 7 ) section of the Fair Credit Reporting Act consumer are required to receive a letter from the Furnisher for negative information being placed on their credit report within 30 days. I did not received any letter. I am not obligated to pay for the alleged debt.
I was not informed in writing regarding a possible charge off for bad debt nor given the chance to rectify the situation which I could have done. I have been paying on the car loan for four months not knowing it had been charged off. When I attempted to contact the company for past due amount and payoff quote I was denied the information. I was also harassed and threatened by a collection agency and she did n't provide me with a name of the agency or information on her call until she started calling around to people I know, which I am not sure how she got those numbers. I attempted to come to an arrangement with her but she threatened me and told me that she does n't have any information for me. I also filed a detailed report with the XXXX and with the FTC.
My mortgage is wi th Bayview Loans tr ansferred from  XXXX   XXXX  i n 2015. I  have been paying the mortgage promptly monthly. I discovered that all payments were being applied to interest only. I contacted Bayview and was informed that the problem would be corrected. It was not. Later l was informed that the loan was a daily interest loan in addition to the 30 year fixed. I was not aware of this. When l make payments l use the customer service representatives. I ask how much is due each time and l make the regular monthly payment. Recently l found out that the daily interest payment was also due and that is the reason why all payments were applied to interest only. When l receive my monthly statements it does not reflect the daily interest amount and calls each month to the representatives did not indicate that additional monies were due. I think that this is a deceptive practice to cheat me out of my monies for the principle amount on the mortgage. I was never informed by mail or over the phone that additional monies were due. This practice allowed Bayview to take my entire mortgage payment and apply it to interest only. Since l started an inquiry with Bayview l have been given the run around. I received a statement outlying how the payments were applied. The statement was confusing and inaccurate. Recently l have been informed that the mortgage has been transferred. I think that the transfer is an attempt to get rid of my account because their practices were deceptive. I believe l am a victim of fraud.
My report is about XXXX XXXX XXXX. They are blatantly committing fraud in two ways : Trying to collect on an amount that was fraudulently charged and inflating the amount that was fraudulently charged. 

I indicated to them that the financial record on file was incorrect and represented incorrectly since based on multiple calls with them, I was able to show them proof and they still charged the amount to my credit report. This is blatant abuse of power.
ARA Inc employees have called me several times, cursed at me, yelled at me, threatened to ruin my credit, threatened to contact my employer, and threatened to sue me over a disputed credit card debt the collection of which is barred by the statute of limitations. ARA Inc employees have been very abusive, and when confronted with the fact that the debt is disputed and not collectible they become even more abusive, and more threatening including calling me several more times. What prompted this complaint was a letter I received yesterday threatening collections action, again.
When using the website free annual credit report - XXXX and Experian I was unable get a copy of my credit report - XXXX I was. I got an error and an XXXX number. Upon calling the number - they wanted to sell me a copy of the report. it was fully automated and no way to chose any other option or to talk to someone live. We need the free option to download this free from the internet - I think the company has conveniently has this broken so they can sell this.
I have received numerous letters requesting payment for an XXXX XXXX XXXX bill that is overdue. However, I have never received any such bill from XXXX XXXX XXXX. When I called to discuss the matter, I confirmed all the information on the " letter '' they sent me but would not give any other personal information. When I refused to give information that was not on the letter the company sent, the call was terminated by the customer service rep.
Due to A serious illness we applied for A loan modification from years XX/XX/XXXX to XX/XX/XXXX to lower our payments and interest rates down from 8/12 per cent so we could afford the payments. The process proceeded on until the house was under water with no conclusion on the loan modification application process. The amount of money went from XXXX XXXX XXXX XXXX XXXX, to XXXX XXXX XXXX XXXX XXXX during this time.
Springleaf XXXX local office has taken out Hard Inquiries that were not authorized by me, amazingly 2 months apart - XXXX 2014 and XXXX 2014 - which is very stupid. 
I have not received any correspondence on these Inquiries concerning rejection. 
For my XXXX payment, of {$300.00}, they have only credited me with a payment of {$300.00}, with no visible reasons on the Springleaf website or correspondence of receipt. 
My receipt information shows a check of {$300.00} through XXXX XXXX Transfers.
In XXXX XXXX, I had a XXXX XXXX. Subsequently, in XXXX XXXX my business failed. I had a large number of credit cards. and all worked-out five year repayment arrangements except my Discover business credit card, on which I subsequently defaulted. I was told that Discover would not work out repayment until it became a " charge-off. '' I am writing to DISPUTE the manner in which XXXX, XXXX and XXXX are reporting the " Charge-Off '' by Discover Card. I have been making payments of {$200.00} per month since XXXX XXXX -- - nearly THREE YEARS. Yet it appears that it is being reported and scored basically the same as if I was making no payments at all during this time period. There is something inherently unfair in the manner in which XXXX, XXXX and XXXX are reporting, and scoring, this debt. The failure by the credit reporting agencies to report my monthly payments, and adjust my credit score to reflect my good faith efforts to repay this debt, is a VIOLATION OF THE FAIR CREDIT REPORTING ACT, as the information which these agencies do choose to utilize is both inaccurate and incomplete under the meaning of FCRA. 

I am being substantially harmed by this greatly inflated negative information on my credit report. In Florida, where I live, credit scores are used by condo associations to EXCLUDE buyers from purchasing condos. I can not find an affordable place to live because of this negative information and its effect on my credit scores. 

I do understand why Discover chooses to report in this manner, as it provides them leverage to attempt to accelerate repayment arrangements. I know this because Discover has contacted me repeatedly to pay more so my credit report will improve. But my making monthly payments for almost three years is not equivalent to a " charge-off '' where the creditor has given-up the expectation of any repayment. And, therefore, XXXX XXXX and XXXX reporting is both inaccurate and incomplete. The {$200.00} monthly payments to Discover Card per my written agreement with Discover Card should be reported the same as monthly payments for any other credit card. Once I began monthly payments, this debt to Discover Card was no longer " charged-off. ''
CALLED EMPLOYER AND TOLD THAT I OWED BAD DEBT TO THEM AND THAT THEY WOULD CALL BACK LATER WHEN I WAS BACK IN THE OFFICE.