WillisBack/dataset-financial-user-claim huggingface dataset:
I have contacted this collection company and disputed this charge many times as well as with the Credit Bureau directly. The collection agency has no right to place this on my credit report due my health Insurance paying both of these bills directly to the original creditor. I want the item removed immediately. There are two bills XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$700.00} account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$1000.00} account number XXXX I want these items removed as they should have never been reported to my credit report.
Dear TransUnion, This complaint is in reference to the tradeline on my credit report by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA  XXXX See attached page from my credit report. ( attached file- XXXX ) This company is operating illegally. In order to comply with the Texas Debt Collection Act - TEX. FIN. CODE 392.101 a third party debt collector must post a {$10000.00} surety bond to the Texas Secretary of State. XXXX XXXX XXXX XXXX is not in compliance with this law and the violation is both civil and criminal - TEX. FIN. CODE 392.402. Also, XXXX XXXX XXXX XXXX is not registered with the Texas Secretary State, therefore, no registered agent exists in Texas to receive service of process. I want to file suit but I can not! 

The Texas Secretary of State lists all legal debt collectors here : XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not listed ! 

I have already disputed this information directly with both XXXX XXXX XXXX XXXX via debt validation letters per FDCPA and Texas Debt  Collection Act. They finally responded to CFPB complaint but stated I sent a cease/desist in XXXX, XXXX, that is not true! 

I have filed complaint/disputes with : With you, TransUnion, via direct dispute sent via XXXX 

Also via CFPB Compliant # XXXX ( attached file- XXXX ) Texas Attorney General Compliant # XXXX ( attached file- XXXX ) This company is violating the FCRA. Please delete this tradeline or I will be forced to seek relief in a court of law.
I have no idea what this debt is pertaining too. I 've never owed this company anything nor have I ever seen a bill.
There is an outstanding debt being reported on my credit reports and this account does not belong to me. I have tried contacting Walmart and XXXX which is the company that I was told purchased tha account and have not received a response from either. I would like this information removed from my reports
On XX/XX/XXXX_this company received a letter requesting validation where I asked them either provide me with proof of my liability in the form of a contractual agreement that I agreed to for the debt or delete the item from the credit report. They ignored this request and at the same time verified the account with the credit bureaus as a valid account and continued to report this frivolous account on my credit report.
This is a violation of both the FCRA and FDCPA Sec 809,
JP Morgan Chase is not crediting my 2 years of principal payments or trial payments to a new loan modification offer, after I became unemployed for 6 months. I made all my deferment payments and all my trial payments and am now gainfully employed again. So they are in my opinion, stealing all the principal payments I made prior to becoming unemployed and unable to make my normal payments, as well as, in my opinion, stealing my trial payments. None of them were applied/credited to the new principal balance offered in my new loan modification documents. The principal balance was completely misrepresented at a loss for me of approximately $ XXXX principal dollars.
On XX/XX/XXXX I signed up for a XXXX XXXX XXXX program at Florida XXXX College in XXXX. At the time, my financial aid representative had given me an estimate on the cost of the program, plus my estimate grant. He had said, with it being XXXX, I can file for ANOTHER grant from FASFA in XXXX to help cover my costs of the program. The program is only 11 months long. I attended the school from XX/XX/XXXX, and I graduated with Honors in XX/XX/XXXX. At the end of my pgoram, I logged onto a portal that told me how much I would owe. When I seen the total as a little over 12k I went to a financial aid counselor and they told me it needed to be adjusted. I was contacted numerous times by the loan company Sallie Mae aka Navient. During a phone call in XX/XX/XXXX-XX/XX/XXXX time, I told the caller I was not responsible for the amount being owed. According to FASFA, I received two Pell Grants totaling in {$11000.00}. The program cost was {$17000.00}. Leaving me with owing a minimum of {$6000.00}. Last week, I contacted the school as I had been requesting my financial aid records. They only send me the estimate paperwork and stated I signed that knowing that would be the cost and I would owe more than 6k. I explained the financial aid counselor responsible for this case was no longer there and he told my mother and myself more than once it was just an estimate and the top of the paperwork even states its just an estimate. I proceeded to tell them that a FASFA representative told me they only took out {$1200.00} for XX/XX/XXXX-XX/XX/XXXX school year. The school then tells me it is because I was not attending for the whole year and that is why they didnt take the full {$5700.00} that was granted to me for the second year. The school proceeds to say it was because I didnt attend a full year. I then explained they took {$5600.00} of my first grant for only 2 months of XXXX, but only took {$1200.00} for 9 months of XXXX. The school didnt seem to understand. When I had spoken with the loan company, Sallie Mae, they stated they have no ties to the school that they just request payment since they loaned money. I am now being told due to no payments being made towards loans that I never approved to be given, that I would be sent to collections and the loan company would take my tax returns as payment.
I was in a car accident with an enterprise rental car late XX/XX/XXXX. I have a {$500.00} deductible. I was told I have until XX/XX/XXXX to pay it ( 90days ) from the accident. I paid it onXX/XX/XXXX at the east XXXX XXXX branch with their agent with my card that was on file. I have been getting mail saying my balance was forwarded to collections and getting constant calls. I called the east XXXX  branch and they said I have to call claims so I did. They said east XXXX reported it to collections in XX/XX/XXXX since they did not have the funds. If they have a system issues that's on their end. I already paid the balance before it was due months ago. They said they would look into ot further and has not gotten back to me and now I am receiving another piece of mail saying it is going to be sent to collections of not paid in 10 days.
XXXX XXXX sent my Debt to a collection agency XX/XX/2018 even though I had settled this Debt with XXXX XX/XX/2018. I filed a complaint with the XXXX  and on XX/XX/2018 I spoke with XXXX executive office. They said even though we agreed on a settlement they would not remove from collections unless I paid an additional {$37.00}. I paid that amount and they said it would be removed in 60-90 days. To this date it still hasn't been removed. I have disputed it with Experian showing the letter from XXXX they would have it removed and Experian still hasn't removed it.
In XX/XX/XXXX, my mother and I got a home equity loan from Homecomings Financial/GMAC for $ XXXX. The terms were 6.75 %, interest only, amortized over 30 years, with principal payments to start if we still had the loan after 10 years. Due to health and job losses, we were unable to keep up with these payments ; we eventually declared bankruptcy. We agreed to a loan modification that lowered the rate to 6 %, keeping it interest only for the remainder of the loan ( XXXX ). We agree to add interest payments we had missed and escrow shortages, as well as late charges to a new unpaid principal of {$270000.00}. 

Ocwen purchased my loan from GMAC after modification ; I confirmed Ocwen has the loan mod docs. I have been making payments on time per the modification since XX/XX/XXXX. My usual payment is {$1500.00}. In XX/XX/XXXX, Ocwen told me my payment is changing to {$2200.00} because the interest rate went up to 6.75 % and now I have to pay interest. They also added {$250.00} in late fees incurred BEFORE the loan modification, even those fees were rolled into the new principal amount when the loan was modified. 
There are also errors & undocumented fees reflected on my payoff. For example, the new principal if for interest portions from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX, but GMAC 's own records show I paid the XX/XX/XXXX amount. The escrow shortage reflected is also incorrect ( GMAC doubled the amount, and initially charged me double ( $ XXXX/mo ) after the loan modification until they caught the mistake about six months later ) .. 

Finally, I have been trying to get the payoff corrected since XX/XX/XXXX, and have provided them documentation but they do not respond to what I have presented and refuse to resolve this. Their payoff shows legal fees, but the only legal fees were incurred AFTER the loan was modified and when I was in compliance, so it would not have been reasonable to hire a lawyer to foreclose or take any action against me at that time. They also, AGAIN, are trying to charge for late fees already rolled into the principal. rOn XX/XX/XXXX, I had a friend help me talk with an Ocwen agent who went through every aspect of this case in a call that lasted over an hour. He agreed that there was a clear error by Ocwen and said that we should fax a letter and the issue regarding the monthly payment and the payoff would be addressed in no more than 10-15 days. We faxed a detailed letter, with copies of all loan mod docs and proof of their errors ( attached to this complaint ). 

I called last week and was told it would take another 30 days. They have several times told me 30 days, then another 30 days, and nothing is ever fixed. I can not afford to pay this amount, and more importantly, I do not owe this amount. I am trying to refinance, but ca n't because they are threatening me if I do n't pay what they are asking and they will not correct my payoff. Thank you very much for your help.
I am having some issues with my credit report with Items on it the are not mine. Its possibly fraud. I would like to have a copy of my credit report. I am disputing the follow account they are not mines : XXXX XXXX   BAL : {$1100.00} XXXX XXXX 30 DAYS LATE. 
I HAVE NEVER OPEN ANY ACCOUNTS WITH XXXX XXXX XXXX FOR ANY BUSINESS PLEASE DELETE OR BLOCK THIS ACCOUNT.605B.Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] 605A.Identity theft prevention ; fraud alerts and active duty alerts [ 15 U.S.C. 1681c-1 ]
Summary : 1 ) My loan payment be transferred again and again and very difficulty for me to pay ; XXXX ) XXXX XXXX and XXXX gave different statement and no way for me to pay through XXXX. Detail : I closed my home in XXXX with Pulte Mortgage LLC with a 15 year fixed interest rate and I paid to this company and my mortgage payment be transferred to XXXX XXXX in XXXX and I kept my payment through it with an amount of XXXX ; On the XXXX, I got letter from XXXX XXXX that they will not accept my payment by XXXX and my payment transferred to XXXX ( the web is XXXX ) .I tried many times to enroll through XXXX since I got this letter and I could n't because my loan information is not on XXXX system yet.Until XXXX I enrolled and I could n't pay my XXXX payment, XXXX customer said my information on their system since XXXX and I need to pay for the payment through phone. I talked to this same person for more than 5 times for I ca n't log-in to pay and I was told there is one week gray period. With big argue XXXX waivered the charge for me to pay through phone. XXXX, I got the letter from XXXX XXXX that start from XXXX my new payment amount is {$1000.00}, and XXXX mailed me same amount payment statement. I tried to log-in XXXX web to change the original {$1000.00} and I could n't log-in XXXX web system and I called XXXX customer and I was hold online for more than 1 hour with very rude customer : XXXX and no solution and XXXX told me : 1 ) call back late ; 2 ) the new payment amount is {$1100.00}. I called Pulte Mortgage LLC, XXXX XXXX and my home county to check what 's the reason for all this troubles and my mortgage kept on transfer and so difficulty with check for my payment. I got refund from my insurance company of {$21.00} recently, and XXXX XXXX said my payment should be {$1000.00}, and the escrow balance is {$400.00} to XXXX ; County said my tax will no change. With this PHH is very frustrated and I doubt they control the online system and people ca n't manage the online auto-pay system then they will charge the fee or made the customer late pay or missed payment with the very serious consequence ; XXXX phone system said their office hour is XXXX and nobody answered the phone after XXXX on regular office time. With a long time on the phone XXXX customer not only very rude by increasing the voice but also told me : it is Monday! I asked her does that is her answer for customer and she put me on holding for more than 25 minutes to wait for the specialist to help me log-in and nobody 'sow-up ', and told me the payment date is XXXX and I have enough time. I told her NO because I spend more than 20 days to get XXXX mortgage paid and I do n't want to miss the XXXX payment and be charged for fee through their phone payment system and she was so mad with very rude tone to talk to me. I told her the mail from XXXX said my payment is {$1000.00} but she said that is not right and she said she talked to tax person. I had to stop the more than 75 minutes phone without any conclusion.
Was constantly told I had to pay a high monthly payment or my pay would be garnished. Offered no reduced or affordable payment. Accrued massive interest and was constantly called and harassed by loan company. Could not repay after graduation. XXXXNavient.
I have an account open with Discover. Sinc e 2014  my account has been in good standing. I reached out to Discover to request my account be reviewed for a reduced interest rate. My current interest rate is 23.74 %. After 3 years of on time payment I was looking to reduce my rate to pay off my account faster. Much to my surprise  Discover  would only offer 0 % for 12 months, then reverting to 23.74 %, or 18.99 % to be applied to all future purchases, effectively not at all helping with the issue of my current balance interest rate. My intentions are to pay off my card so I may look at financing a home, however with Discover 's policy to not change interest rates on current balance, even after proven good standing. is completely immoral and anti-consumer.
XXXX  XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX I HAVE REPORTED DISPUTES ON THE ABOVE CREDITORS FOR REPORTING INACCURATE DEROGATORY MARKS, ACCOUNTS STATUS, AND VIOLATING MY CONSUMER RIGHTS. I HAVE FILED A COMPLAINT WITH XXXX   PREVIOUSLY ON XXXX XXXX/XXXX XXXX AND I NEVER RECEIVED ANY UPDATES, REMOVALS, OR VERIFICATIONS TO SUPPORT THEIR REPORTS.
I receive phone call from Harris and Harris limited numerous times a day from different number. I block a number from calling me after so many times. And they call me from another number. And after so many times calling from that number I block it. I have blocked so many of their numbers you would think they would n't have anymore to call me from. But they call me from a number and if I am unable to answer they will leave a message and call me from another.
I was ill for a couple years and had to leave school and was unable to work. I have been getting my loans deferred and I was told I had submitted all the proper paperwork and they were deferred and not to worry. Now they are all of a sudden on my credit and I ca n't get a loan for a car so I can work, I ca n't purchase a home. These people lying to me wrecked my life.They took thousands from my refund this year and nobody told me anything. If I knew that they were gon na XXXX me, I would have tried to figure something else out, but I was told they were DEFERRED AND I WAS OK?!?!?!?!?
I was asked about my assets, then I was sued, never offered payment plan or any other suitable conclusion.
I pay my Mortgage payment through my bank. A check is cut and mailed to the Mortgage Company. The check that was mailed to Carrington Mortgage was cashed 2 days early causing by checking account to be overdrawn which caused NSF fees. The date on the check was XXXX XXXX, 2016. It cleared my bank on the XXXX. I called my bank who, as a courtesy, issued an NSF refund on the initial overdraft charge of {$38.00}. I then contacted Carrington Mortgage and explained what had happened. I was told they do no accept post dated checks and that the address where my payment was mailed was a " machine '', which I took to mean a clearing house for posting. I was not contacted by Carrington or given any notice of the early posting. I was offered no resolution to the issue by Carrington, but was assured by the CSR I was speaking to would be getting with a manager and give me a call back to see what could be done. It has been 24 hours since I contacted Carrington and I have yet to hear from anyone. Another day has passed and two other outstanding charges have been posted to my checking account causing two more overdraft fees to post. Total overdraft fees as of XXXX are {$110.00}. This is ridiculous. If a machine is capable of reading an XXXX routing number and an account number from a piece of scanned paper, it should certainly be able to read a date as well as stop an early draft from happening.
In reviewing my credit report in XX/XX/2018, I learned a company, XXXX XXXX XXXX, had reported a debt in XX/XX/2018 and never contacted me. To this date, I have received nothing. I attempted to contact them as soon as I discovered the item on my credit report. I wrote to the address on the credit report and USPS returned the mail undeliverable. I submitted online disputes with XXXX and Equifax. No investigation responses were received from them either. I wrote to other addresses I found for XXXX XXXX  and have never received any response. I sent letters XXXX, XX/XX/XXXX and XX/XX/2018 to XXXX. The online disputes were submitted to the credit report agencies during that time and again recently. I have spoken with an attorney who states they are in violation of FCRA and FDCPA as this effects my ability to move to suitable housing and they did not respond within 45 days with verification of this alleged debt. My right to dispute this debt has been violated. I am being denied housing now in addition to the violation of my rights. To this date, no contact has been made by XXXX to contact me.
ON XXXX/XXXX/2016 I USED THE WEB SITE FOR MY XXXX I VIEWED AND SAVED THE FIRST XXXX REPORTS PDF FILES THE XXXX REPORT FROM EXPERIAN NEVER GOT TO SECURITY/SIGN IN PAGE!!!! 
NEVER DOWNLOADED ANYTHING!!! 

I WENT BACK TO XXXX IT SAID COME BACK IN 1 YEAR FOR NEXT REPORT NO PLACE TO REPORT PROBLEM ON WEB SITE EXPERIAN WEB SITE NO HELP EITHER
On XX/XX/XXXX, I applied for the income based repayment plan because I am unable to pay my student loans. Prior to reapplying my payment was {$0.00} based on my income. I called Navient/Dept on of education on XX/XX/XXXX,  to retro my IBR payment plan since my account is 36 days past due and was told by collections XXXX XXXX that Its not the fault of Navient/Dept of Ed, that my student loan payment is behind. I requested to have IBR plan retro back to cover XXXX XXXX payment. I have used the IBR plan multiple times and a representative has gone back as far as 3 months without my having to ask. The supervisor repeatedly kept trying to offer me a forebearance. Instead of applying my IBR plan back 4 weeks, they would rather put me at a inconvenience or make more money by placing a forebearance on my account. Also my loans have gone from {$44000.00} to {$60000.00} in one year which makes no sense if I had a {$0.00} payment.
A few years ago I noticed that I had 120 day late payments on my credit report from student loans while I was still attending school. I contacted my servicers for years about these late pays and inaccurate reporting 's. It was n't until earlier this year that I had even been told about the Forgiveness payment income plan. Navient refuse to work with me on multiple occasions after I had graduated and was enrolled to start my XXXX XXXX XXXX at another college but was waiting for the start date but because my end date with XXXX XXXX and my beginning date with XXXX XXXX University was outside of six month. They also started marking my loans late again even though they seen I was getting ready to go to school and told them I had no income and they refused to fix my credit report. For years now I have had to pay higher interest rates or been denied credit due to these late pace or inaccurate reporting 's not to mention I was never informed of the income payment plan until a friend of mine told me about it. I also just became aware of the XXXX XXXX College lawsuit for students like myself who were crowhurst into attending school there being told that are credits we 're good credits and transferable to other schools and then they were not {$28000.00} later I had went to school for 4 years for a XXXX XXXX that never really existed.
During the months of XX/XX/XXXX and XX/XX/2015, {$720.00} in cash advances were made via XXXX XXXX, with my Discover card. I was charged {$10.00} per transaction making the total XXXX. These transactions were made nine times. These were not authorized by me. 
I am set up for fraud alerts but I was not alerted to what was happening and so I was unable to stop the transactions. But for their failure to provide fraud protection as promised I would not have this charge on my account. 
If these suspicious transactions do not trigger a fraud alert, then what does. 
I have written to the company many, many times and have not received one written reply. 
Curiously, when I signed up on XXXX I got a fraud alert! That 's so funny! So I called them and while I had them on the phone I asked about the cash advances and they said that since my son made them that they are not liable. I was shocked. My son was not authorized to make those advances. What gives them the right to say that he is authorized to do so? 
In any case, their fraud alert did not work as promised. I should n't have to pay the fraudulent charges. Thank-you. XXXX XXXX
OnXX/XX/XXXX I mailed out disputes to XXXX, XXXX and equifax in reference to inquiries that showed up on my credit report. I asked each credit bureau to provide proof of these inquiries in writing. The response I receivedXX/XX/XXXX was a generic letter telling me to contact the creditor from equifax, XXXX removed two inquires but nothing else on the others, XXXX sent me a copy of my credit report. Stating that if you look at the bottom of this page if the items you contacted us about do n't appear this means these items are no longer effecting your report or our investigation was able to confirm the item.
These private loans with Navient were issued under duress. They involve predatory practices and take advantage of unsuspecting new college students. Navient ( formerly XXXX XXXX ) should not be allowed to pursue collection on these accounts. I believe these loans violate lending laws, FCRA laws and debt collection laws.