WillisBack/dataset-financial-user-claim huggingface dataset:
I contacted this company after I was given their name to help pay back my student loan. They gave me a monthly amount of XXXX+ to pay back but I offered XXXX a month. They told me that when the loan was paid, they would report to the credit agency and it would not show as a loan collected through a debt collector. I was also told that this would prevent my tax refund being taken as well. Well my tax refund was kept and they said they did not know why that happened, maybe my name was on a list for them to be held. I said my taxes were n't held the year before so it was something they must have done such as putting my name on a list to hold my tax refund. Even though it went towards my account, I was told that because the loan would be paid off early now, I was not entitled to the benefits of having this be reported to credit agencies as paid off without debt collection. They misrepresented what they were going to do and how they were going to help me.
I withdrew my request for a loan with Mason McDuffie to work with the Builder 's preferred lender, as this was in my best interest. Mason McDuffie asked me to remain with them and offered a full loan approval in 48 hours. After I declined, Mason McDuffie entered my loan into the FHA system as a denial. This created a significant impediment to my loan being transferred and approved by the Builder 's preferred lender.
I was provided an explanation of a variety of issues related to my mortgage servicer, Ocwen dated XX/XX/XXXX ( attached as exhibit A ). Page 3 of 4 reads in pertinent part : " ... we ( ocwen ) have updated our records to reflect the correct status for the account from XX/XX/XXXX through current. This correction was submitted to the credit bureaus on XX/XX/XXXX via an Automated Universal Data form ( AUD ), control number XXXX. '' ( emphasis added ). 

However, my current credit report reflects that as a result of Ocwen 's reporting, it has decreased my credit report 60 basis points ( attached as exhibit B ). 

As an aside, I did not make my XX/XX/XXXX and XX/XX/XXXX payments timely. Nonetheless, what has been reported is not correct.
This Company denied me for a loan which I never applied for. I want this taken off of all XXXX credit bureau reports because it counts as a credit inquiry.
I was harassed into setting up a payment arrangement at the end of my statue of limitations.  Myself  as well as my co-signer s ( m y  XXXX   XXXX   XXXX  grandparents ) received multiple calls daily threatening to have us arrested and that their home was going to be taken away. The callers were verbally aggressive and very unprofessional. I received calls at my place of employment even after I asked them not to. My co-signers also asked to not receive calls but they were called anyway. I was also told that if I paid   XXXX   dollars and {$350.00} a month for a year that my cosigners would be released. I called after that year was up and was told that No one told me that and that it could not happen.I was forced into default because my payment was a day late. The next caller asked me why did n't I make a post dated payment, to which I responded that I asked but I was told that I could not.Not to mention the more I paid, the bigger my balance got.
MCM Midland Credit Management Inc, has been harrassing me since XX/XX/2015. They are claiming I owe {$240.00} to XXXX / XXXX. 
XXXX doesnt even exist! 
To be sure, I spoke with XXXX customer service to verify my XXXX Credit Card had a balance of {$0.00}, which WAS confirmed and the account was closed. 
XXXX says I do not owe any money. 
I have pulled my credit report since then and it is clear. 
I did receive notification from the US Govt that sensitive information pertaining to me was stolen, which they provided me with free credit monitoring for the duration of three years.
Well for two years i been trying to get my credit report and it 's ask me some questions and i answer no on them cause they do n't apply to me cause i never had a car loan or try to get a car loan and i never had a montage loan either. So i said no and it would n't give me my credit score. Its saying that my info is not matching with my social security number. I do n't know what to do any more. I need help.
This letter is in response to Capital One and XXXX XXXX XXXX. I entered a verbal contract with XXXX XXXX XXXX on X/X/2017 that they would lower my total loan balance from {$61000.00} to {$480000.00}. This would lower my payments to {$400.00} a month. I paid a {$1000.00} fee for this on my Capital One account via email. I signed a release letting XXXX have access to look at my Student loans to complete this process. As soon as I signed the release it was deleted from my email and I was unable to ever open the document again. XXXX later informed me that neither of these things would happen. My total student loans were not lowered at all and they could not lower my monthly payment to anything less then {$680.00} a month. This was unacceptable and a refund was asked for. XXXX eventually agreed to refund my money, but never provided the refund. Several calls and messages were left and every time I actually spoke with someone I was told that the refund was in process. Then the number quit working. I disputed the charge with Capital One, but I did not have full information from XXXX, as all I had was a verbal agreement. Capital One produced a contract that they said I signed. I did not sign a contract with XXXX and this was told to Capital One. Capital One decided that they would not do anything about the charge because of the contract. They sent me a copy of the contract that I had never seen until it was sent to me by Capital One. Once Capital One sent me a copy of the contract I then had more contact information for XXXX so I again contacted XXXX. XXXX agreed to cancel the charge. I spent many, many phone calls and time speaking with customer serviceat Capital One, but since they already said they would not cancel the charge I was left with it. I tried to get them to call XXXX with me so we could take care of the issue, I was put on hold for a long time then told my case was closed. I informed them I had a voice mail stating that I was getting the refund. Capital One did not want to do anything and told me to wait for the refund. Capital one and I have had a bad relationship as several months prior to this I had paid off my account ( as I do most every month ) only to get a credit to my account later from an item I returned. The refund was on my account for a month then the credit disappeared. Capital one said they sent me a check that I never received. Nor did they ever mention to me that they had or were going to send me a check. I did get the rest of my mail and ALL of my statements. Including my next statement that had a new charge, but no credit. I spent again many, many phone calls and hours with their customer service trying to get my money that had just disappeared from my account. This took MONTHS and more phone calls then I can count. Several months later they did eventually send me the check. Before this incident I had an excellent credit score, I had NEVER made even so much as a late payment to any of my credit cards, including my Capital One card that has a {$20000.00} limit. The only balance on that card is this disputed charge, and associated fees.
I am a victim of identity theft. Someone stole my personal information and identity to open up a XXXX XXXX store credit card account through Wells Fargo Financial National Bank fraudulently and unauthorized. Someone had a Minnesota drivers license in my name with my picture on the drivers license and a date of birth of XX/XX/XXXX. My date of birth isXX/XX/XXXX Furthermore, I was incarcerated fromXX/XX/XXXXuntil XX/XX/XXXX. I was released from prison on XX/XX/XXXX so theres no way I opened up the account. Review the attached documents submitted with this complaint. The XXXX credit card account is fraudulent, and dont belong to me.
Dynamic Recovery Solutions XXXX XXXX XXXX SC XXXX attempting to collect paid pff debt from XXXX. This is not legal! FCRA states no collections of any kind may be made after XXXX years! The letters from them are false claims from XXXX years ago. These scumbags need to be put in prison.
My issue with XXXX began on XX/XX/XXXX, the day I disconnected my service, please see attached return receipt.They then turn it over to XXXX XXXX see letter dated XX/XX/XXXX for the amount of XXXX, I then sent XXXX XXXX a certified letter disputing the amount owed, please find attached letter dated XX/XX/XXXX.Please see reply from XXXX XXXX dated XX/XX/XXXX, and XX/XX/XXXX that they are no longer going to pursue collection efforts. Please find letter dated XX/XX/XXXX, from Diversified Consultants for the amount of {$260.00}, Please find my dispute letter sent to them by certified mail and dated XX/XX/XXXX.which they never responded, the debt was never verified.I then disputed this debt with XXXX, please find attached letter sent by certified letter dated XX/XX/XXXX,  outlining the reasons that this debt was never verfield.
CFPB I am filing this complaint on Equifax Credit Bureau because they are violating The Fair Credit Reporting Act Section 1681b ( c ). I sent Equifax two certified dispute letters because there are some unauthorized inquiries on my credit file that I did not authorized. My first dispute was on XX/XX/XXXX and my most recent dispute was on XX/XX/XXXX. I contacted these creditors and they couldn't provide me a permissible purpose so I disputed this back with the credit bureau on XX/XX/XXXX and received the same dispute results that these inquiries are a factual record of file access. CFPB i contacted Equifax and ask them to validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry and that rep. stated they can not dispute a inquiry because they are factual of statements. I also told that rep over the phone that they have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 that rep stated the same thing and said I'm sorry I can not dispute credit inquiries because they are factual of statements and also have that conversation recorded. I will upload the second dispute letter of the unauthorized inquiries and the results from Equifax.
On or about  XXXX   XXXX ,  2017 ,  Focus Receivables Management r eported to   XXXX   a false claim that I owed {$500.00} to an unnamed entity. They claimed a fictitious account number of  XXXX . I have no outstanding debt ; certainly none in arrears and no account ending in  XXXX .     I have not received any communication from Focus or any other entity regarding a debt. I believe they are operating in violation of Californ ia Civil Code section 1788 et. seq.
Back in XX/XX/XXXX my wife and I consolidated into one bank account, XXXX. Before we were using XXXX XXXX XXXX. I changed my account information online and spoke with a representative on the phone after the first month did not work correctly. Now for XX/XX/XXXX payment it did the same thing. They have my account information and this will be on them again for this month 's payment. I have had issues with Navient for the past few years and it seems that every other month there is something new that they screw up. They have my account information and should fix this by XX/XX/XXXX payment. The XXXX month they rolled the charges back into the debt so I 'm assuming they will do this again. It is not my responsibility to fix their mistakes and it is their responsibility to collect. I even have email confirmation and online confirmation stating that my payment account has been changed to our new bank.
A company other than the original creditor collecting on a debt that is not mine. I contacted the original creditor and they have no knowledge or records of me ever living in their apartment complex. I have problems renting apartments because of this matter. The company who I rent for now took the liberty of verifying to the original creditor if I ever lived in their property and they told them no also. 7 years ago this same debt was removed from my credit report and this same company somehow managed to have it reported back to my credit report and updates its monthly so that it could remain on my credit file longer than allowed.
XX/XX/XXXX I disputed information on a Bank of America Home Loans account that had been sold to XXXX Bank XX/XX/XXXX. The reason for the dispute was because the Bank of America account still had a status of " Open '' even though the account was sold four years earlier. Prior to creating the dispute with XXXX there had been no missed payments on this account as payments were being DEFERRED for 10 years from the initiation of the loan. XX/XX/XXXX the investigation was completed and correctly changed the status of the account to " Closed ''. However, XXXX now shows that I was delinquent on this account for over 120 days. I have asked XXXX to dispute with Bank of America multiple times but you ( Bank of America ) insist that I was delinquent on this account. 

I have sent letters to XXXX and Bank of America with the above and I still have n't got a response from Bank of America. I received a response from XXXX stating that the negative information on my account is factual. 
I have called Bank of America and state they ca n't provide me account access to my previous XXXX that I had because the account is no longer open.
I have an unverified account from RECEIVABLES PERFORMANCE. I had previously disputed this account. I have never done business with RECEIVABLES PERFORMANCE. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that RECEIVABLES PERFORMANCE provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that RECEIVABLES PERFORMANCE Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
XXXX XXXX is in violation of CA anti-dual tracking laws and is guilty of acting in bad faith on a real estate transaction. At issue is a short sale request that was submitted to XXXX XXXX and XXXX XXXX confirmed receipt of a complete package. Once the package was complete XXXX XXXX is legally obligated to postpone their foreclosure sale date for XX/XX/18 which they have not. 

Additionally on XX/XX/18 the underwriter on the file acted in bad faith when they denied the short sale for a bogus reason of " title issues ''. All lenders understand short sales have title issues and have a legal obligation to work a short sale and provide a short sale approval letter so that junior lien holders will know how much is being offered. XXXX XXXX had a good faith obligation to advise what title issues they were concerned with and allow time to have those title issues responded to. They did not. They did not because they are acting as a foreclosure mill breaking laws and had no interest in doing what they are legally required to do which is help homeowner avoid foreclosure. XXXX XXXX should have their license pulled from CA since they can not operate within CA laws. 

Also as notated by the email attached the title issue XXXX XXXX was referring to clearly states they require XXXX XXXX approval letter before they will work short sale which is standard industry practice.
Hello why play with my credit if yo not fixed then i need only go to court 1 XXXX XXXX XXXX is not my credit card 2.XXXX XXXX closed account is outstanding that is not my card 3. Age of credit is wrong info there 5. XXXX XXXX is not my call me ... .XXXX XXXX XXXX
I applied for a Macy's/American Express credit card inside the Macy 's store located in the XXXX in XXXX , Virginia in XXXX XXXX, 2015. I was told by the sales person in the men 's department that I had been approved for this version of card with a limit of {$600.00}. I was also told that any in-store or online purchase would be discounted by an additional 20 %. Additionally, I was told that the use of the card during their XXXX-day only promotion would include an additional discount, and I would also accrue XXXX-Points for each dollar that I spent. 
I opened the account based on these terms, I used the temporary card thinking that I would be receiving a permanent Macy's/AmEx credit card in seven to XXXX business days. 
On XXXX XXXX, 2015 I received a Macy 's Star Rewards regular credit card in the mail. In a separate letter received on the same day I was told that after further review Department Stores National Bank could not issue me what I had been duped into believing I was signing up for. The letter is dated the same day that I applied for credit in the store and the Macy 's clerk told me that I would be getting the dual purpose card. I called Macy 's customer service line and was told that my credit score was not high enough for the dual purpose card. I feel that I should have been told this information on the XXXX, so I could have made a decision whether to sign up for the credit card or just walk away. 
I feel that I was baited, then switched with the promise of a dual purpose card that could be used in Macy 's stores, on-line, as well as anywhere the XXXX XXXX card was accepted. I thought this would a great way help restore and rebuild my credit history and reputation. I was taken advantage of, they knew then that I was not going to get the card that I was promised in-store. This is an unfair and deceptive business practice, and is just plain wrong. I feel cheated by XXXX and Macy 's.
PNC mortgage provided an email confirmation of a rate lock at a very low rate during the initial conversation. They were aware we were speaking to multiple lenders. After we had selected PNC as a vendor and committed to a closing date of XX/XX/2019, the mortage associate raised the rate on XX/XX/2019, which gave us ver few options for moving forward apart from accepting the higher rate. 

PNC also agreed in writing to provide credit to cover appraisal and closing fees, but shorted the amount by approximately {$200.00} on the closing documents. 

They also refused to provide a secure file upload space for transfer of documents containing PII
I have contacted Equifax several times reguarding a collection account on my Credit by the name of XXXX XXXX. I have disputed multiple times saying this account was not mine. I even asked how they verified the account? And asked for proof this account was mine. I have been dealing with this situation since XX/XX/2017. I have spoke to supervisors and other reps the outcome was always no help/ verified. I have sent in police reports I have faxed in FTC report. What else can be done? I am very disappointed with them.
A third party vendor incorrectly billed a monthly recurring charge for internet services to an American Express account. Months earlier, I had changed the billing to another credit card, which they successfully billed for almost a year. For some reason, in XXXX 2016, they mistakenly billed the charges to the American Express card, which I had physically destroyed before then. The vendor could not explain why they used the old information, but acknowledged that they did. They then billed me correctly on the new card. No services were provided to me by the vendor from any charges to American Express. I gave this information to American Express. After a few rounds of phone calls and emails, they agreed that the charges were incorrect. The vendor was ultimately paid on the correct card, and they agree that I do not owe them any money. American Express, at XXXX point, also agreed. Unfortunately, that happened on a phone conversation, which I did not record. They did send me a letter indicating the dispute was resolved. 
I assumed that was the end of the matter but I foolishly failed to keep the letter. There was peace for a few weeks. Then American Express collectors from XXXX began calling me at home and on my cell phone trying to collect the nonexistent debt. I answered the phone for their calls and I contacted the company several times to try and explain to someone who could understand. Now it has started again, with the callers threatening that my credit may be adversely affected. I told them all that my wife and I have a credit rating of XXXX ; we pay our bills on time. Now the billing and collections calls have started up again. I 'm a XXXX and do n't have the resources of American Express. They have wasted untold amounts of time and money chasing a debt that does not exist. But because they have the apparatus in place, they can pursue the matter, taking my time, even though I have not avoided communicating with them to sort things out. I seem unable to convince them, however, that I do not owe them any money. Can you please help?
A company called Cash Advance Now sent me an e-mail stating that I applied for a loan and it was approved. They also called my cell phone and my work. When I spoke to them they said I submitted an application online and I did not. They had all my information of where I worked my bank account, address, social everything. I told them I did not apply and I do not want their services. I feel like they were trying to push this on me and I never applied for this.
Simms and Associates a debt collection company has called me no less than XXXX times regarding an alleged collection for my daughter XXXX XXXX. 

I have informed them each time this is not her number, I have no involvement in this claim and in fact they will not disclose ANY information to me about it as they acknowledge that I am not party to the transaction and they can not disclose any information to me, yet they continue to call. 

Each time they insist they have never called me before, today I said, " then how do I know who you are and what you are calling about. " Each time I have asked them to stop calling yet they continue to call me. The latest call was today. 

My daughter has spoken to Simms and Associates approximately 3 months ago ( so yes they have been in contact with her directly ). She asked them to send her a letter with proof of the debt and explanation of the debt. Their response was they already sent it, however, she has received no such letter or information to date. She asked them to send the information and it still has not arrived. 

The person I spoke to today was aggressive, insistent about getting personal contact information for my daughter, refused to provide ANY proof they have a valid reason to contact her, and denied the firm has ever contacted me before. 

I told them they are violating the law by continuing to contact me and harass me. She insisted they are not violating the law by contacting me about a debt I am not a party to. She did say they would remove me from the list, BUT they have said this the last XXXX times as well.