WillisBack/dataset-financial-user-claim huggingface dataset:
I was just discharged from Bankruptcy CHapter XXXX. I called numerous student loans I have to start a payment plan with them. I was told by XXXX that they outsourced my loans to Transworld Systems Inc . I contact them to start a payment process on XX/XX/2017. I set up 2 automatic withdrawals for {$100.00} ( for XX/XX/XXXX and XX/XX/XXXX ) so my account would not go to collections. One {$100.00} payment was ACH'ed on XX/XX/2017. I was told by XXXX of TSI that XXXX would settle for {$12000.00}. I paid {$12000.00} on XX/XX/2017 ( and have documentation from my bank and numerous phone conversations with TSI ). Now, TSI is posting on my credit that I am in collections and balance is UNPAID. I have called them twice to be told that the account is " settled and paid in full '' although they keep hitting my credit with derogatory marks.
My wife and I have a home loan, but NO OTHER DEBT. We are not only current on payments to our loan, but lucky enough to be able to pay extra. 

XXXX Debt collectors keep contacting me and threatening me that I have outstanding debt and that they are going to take our home, but wo n't give any information to me unless I give them personal contact information. 

I did NOT give them any information, so I do n't know the nature of the false debt or whether someone else is fraudulently using my name. I ca n't tell if THEY are the scam, or someone else is using my info to rack up debts. Please help! 

The number they used is XXXX extension XXXX THANK YOU for your time.
I have NEVER been associated with address:XXXX XXXX XXXX XXXX, XXXX have resided exclusively at XXXX addresses in XXXX , XXXX since 1985 : XXXX XXXX XXXX, XXXX XXXX XXXX , and XXXX XXXX XXXX 

XXXX, XXXX, XXXX is a total misspelling & misrepresentation of my last name. XXXX & only spelling should be XXXX.
I have been receiving bills from a debt collector who is acting of behalf of  XXXX . The debt collector is called Convergent. The debt is from 2008. The issue I had was my account was broken into and my personal information stolen resulting in erroneous charges being made to my account over a 9 month period. The charges were for a subscription I never signed up for. Subsequently my personal information was used to make other charges resulting in me having to close my checking accounts.
When I approached  XXXX  with what had been going through I was told by one of the Sales Managers that they would credit my account for the erroneous charges however they could do nothing to stop the charges from being charged to my account.
After nine months of this kind of treatment I closed my account in   XXXX   of 2008. My issue is it is still showing on my credit report. The last report pulled was from  XXXX  in   which I was denied credit for what they called a serious delinquency.
FDCPA violations by Navient Corporation -- My complaint regards XXXX subsidiaries of Navient Corporation illegally contacting my sister in relation to an apparent debt collection. 

On XXXX XXXX, 2016, my sister received mail addressed to me and in the envelope window the following text was visible : " Please call General Revenue Corporation at XXXX. '' On XXXX XXXX, 2016, my sister received a voicemail from a representative of General Revenue Corporation requesting information about me. The aforementioned phone number was provided as their callback number. 

On XXXX XXXX, 2016, my sister received mail addressed to me and in the envelope window the following text was visible : " Please call Pioneer Credit Recovery , Inc. at ... '' General Revenue Corporation and Pioneer Credit Recovery , Inc. are both subsidiaries of Navient Corporation and they share the same mailing address. 

I have never given Navient Corporation consent to communicate with third parties. I have never lived at my sister 's address, I have never provided anyone my sister 's address as my own address, and my sister and I have never shared the same address as adults. 

This mail violates XXXX U.S.C. 1692b by communicating with a third party more than once and by using language disclosing to a third party that it 's a debt collection business. 

It also violates 15 U.S.C. 1692c by communicating with a third party without my consent.
I am filing yet another complaint to be more clear this time. I received a copy of my annual credit report in XX/XX/2018 and notice two large outstanding collections on my reports one for {$1200.00} and another for {$6600.00}. I immediately sent out VALIDATION letter to this company, to which they replied with a list of damages and a lease. The lease was for an XXXX XXXX. I informed the company that this was not me, nor have I ever been known by this name and that they are reporting inaccurate information on my credit. They then responded with a hand written " deposit slip with my first name, XXXX and the last names XXXX. ( Still not my legal name ) I was told that the sure deposit links it to me and the lease was a typo made by the original creditor but the debt was intended for me whatever my " legal " name was. I'm getting no resolution for this. The sure deposit they supplied me with isn't a legal binding contract itself nor does it even have an apartment number on it. The lease they suppiled me with isn't mine. THIS IS LEGALLY. Reporting INACCURATE INFORMATION ON SOMEONES REPORT IS ILLEGAL. They have FAILED to probably VALIDATE the debt owed, which is a very clear violation of my rights under the FCRA. They told me to fill out some paper work and get a police report but they would still be reporting, I should not have to jump through hoops for something that seriously DOESNT EVEN HAVE MY NAME ON IT. This has put me in an extreme bind as my credit is important to me and it looks bad. 


I'm attaching the sure deposit and the lease only as those are the only things relevant. The damages is just a bill and the " application " are both not significant enough or considered validation for a debt. Please note the difference in the writing and the signatures. Neither are mine. Please also note the sure deposit is not a legal binding lease and isn't proper validation either. Lastly, the lease does not mention me on it at all. 

I will be reporting and filing a complaint with every outlet possible, because I'm sure I'm not the only person who has fallen victim to their ILLEGAL collection practices.
I recieved a call from a XXXX XXXX claiming he was collecting for his client XXXX mutual. Call back number is XXXX ext.XXXX claim number XXXX. He claimed I had been in an accident back in 2015, but I was n't. He had an old address of mine my full name but wrong date of birth. I have brought this to my car insurance awareness already and I was hoping this agency could futber look into this. Thank you
Bank of America has re aged a charged off account. This illegal tactic was found on both my XXXX Credit Report pulled on XX/XX/XXXX and my Transunion Credit Report on XX/XX/XXXX. Bank of America charged off the account in XX/XX/XXXX The status report on XXXX credit report has account charged off, but with a balance past due as of XX/XX/XXXX. This is re aging, a direct violation of the Fair Debt and Credit Reporting Act. Also, I have proof in the certified letters sent to them XXXX that they could not verify the debt. They must change the status immediately and stop re aging the debt. Proof is attached.
On  XXXX  vehicle had severe engine miss. Went to   XXXX   XXXX    XXXX    XXXX   for repair. Charged {$440.00}. Car continued to miss, went back several times but car never repaired.Poor service as they did n't care. Went to other garage and notified that alll spark plugs were mis gapped plus an installation of a broken spark  plug.Advised Visa  not to pay because of dispute and sub standard workmanship.I would get form letters that action will be taken in thirty days., Further, after some time  XXXX   XXXX  knew I paid {$76.00} extra on only  one  bill of several invoices, to further repair car. so they sent check {$76.00} to close dispute and guilt of negligence fraud and liability.  XXXX  has ignored these facts to date and have not issued proper credit in this dispute >
I disputed derogatory accounts with all three credit bureaus on XX/XX/2018 XXXX deleted and corrected the situation with the derogatory collection accounts, ( Accounts : XXXX # XXXX, XXXX # XXXX ) with XXXX  and Equifax the two derogatory collection accounts have not been deleted, XXXX  or Equifax investigation method does not equally reflect XXXX investigations or results.
Information contained in background screenings completed by various companies contain inaccurate and incomplete information. This continues to result in loss of employment or employment opportunities. The inaccuracies include the failure to note a dismissal of a felony and incorrectly identified a non-violent misdemeanor as a felony. Further, there is no disposition and it appears as if the matter is an ongoing criminal matter. Another inaccuracy regarding the dismissed felony, is the charge is misidentified. It makes the applicant appear as the person is a violent  offender, which is not the case. 
The charge involved a domestic dispute with a sibling who was angry. Again, this charge was DISMISSED as a NO BILL over three years ago and the related conviction for a misdemeanor is NON- VIOLENT. I have contacted XXXX County, Florida Clerk of Courts and they verified their information in their system is correct. I have copies of the court documents as proof the errors above are, in fact, errors. The information has been misreported or depicted inaccurately by public records or interpreted incorrectly by background screeners. I have disputed the background report with backgrounds.com before and this corrected the problem with one company. However, this has been an ongoing problem. This leads  me to believe the problem is with the information reported in public records accessed by other background screening sources.
I 'm filing this complaint because I have been unable to resolve my concerns with my mortgage company about the way the length of time that it consistently takes for my mortgage company Freedom Mortgage ( unfortunately not by choice ) to process all of the payments that I 've made & sent to them on time -- at least 1 week in advance. 

For whatever reason, it is completely impossible for me to contact customer service in any form to try to get an explanation as to why it takes 2+ weeks for my payment to arrive at the payment address supplied by Freedom Mortgage. I am extremely fearful that Freedom Mortgage will assess late fees & cause me to " dispute '' the charges, as they are willfully slow and unwilling to find a proper solution. 

After waiting on hold for nearly 15 minutes this morning, I reached a customer service agent at ( XXXX XXXX XXXX -- the number listed for new applicants. I had to " sneak '' my way into the queue by calling that number since calling ( XXXX ) XXXX as is recommended for current Freedom Mortgage clients resulted in 3 automated hang-up calls this morning, after I entered & verified all of my current loan information. Emails to the only address that I can find, XXXXXXXXXXXX go unanswered repeatedly. I emailed another inquiry this morning & fully expect to be ignored again. 

I simply want to know why the processing is so slow & where I need to mail my payment for faster & more efficient service. I was told this morning by customer service that they use the U.S. Postal Service, and it is their fault for processing delays.
Wells Fargo repossessed my vehicle 6 years ago while the payment was in their hands, I put a stop payment on the check as they did attempt to cash it. They called my insurance company and said I had been in an accident with it, untrue, and tried to file a claim. I soon settled the debt. 5 years later the loan showed up on my credit report as open. I 've paid high interest rates ever since.
On XX/XX/XXXX I received a copy of my current Transunion credit report which I had requested. I noticed several problems and called right away. 

After spending 30 minutes on the phone with XXXX, aTransunions representative in the Special Services dept. explaining the missing information I awaited the investigation results. 

On XX/XX/XXXX I received the results of the investigation. They corrected ONLY my birth date and did not address any of the missing accounts on my report. I called again and spent another hour on the phone explaining the previous history of the issue, more detail on the issue and the assurance that it would be thoroughly investigated again. 

On XX/XX/XXXX I received the next communication claiming the " dispute is now complete ''. However, they only added ONE of the missing accounts. 

My credit score is being significantly impacted in a negative way by this missing information. 

I would like help getting Transunion to correctly report my credit history.
I am a victim of ID Theft. I was contacted by the U.S. Secret Service that someone was using my name and SS information. I was informed that XXXX XXXX was arrested and is currently standing trail in US Court. I have been working to clear up fraud on my credit with XXXX XXXX XXXX. When I was contacted that someone was trying to get a job and car in my name in XXXX PA, thats when I pulled my credit report I found more activity that was not mine. I found that accounts she never opened are in collections and taxes was filed under my name and my children were claimed on taxes. I am not sure when my birth certificate and SS were stolen somewhere between XX/XX/XXXX-XX/XX/XXXX. The Following accounts are not mine XXXX   XXXX XXXX XXXX XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX,
On XXXX/XXXX/2016 I submitted Identity theft papers to XXXX consisting of my FTC Affidavit, Police Report and some other documents supporting my claim. Today is XXXX/XXXX/2016 and the creditors XXXX XXXX and XXXX 's which are the same company is still reporting on my credit report after I sent in my identity theft documents explaning how them XXXX accounts do not belong to me. I also sent XXXX XXXX and XXXX 's a copy too, and By Law since I sent them a copy of the FTC Affidavit and Police Report them items suppose to be blocked by the credit reporting agencies and also the creditors for supplying them with that pertinent information. The Law States : If a Furnisher learns that it has furnished inaccurate information due to identity theft, It must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information XXXX 
When any furnisher of information is notified pursuant to the procedures set forth in XXXX XXXX that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. XXXX
I am currently enrolled as a XXXX in a school which is not receiving US Dept. of Education funding. When I applied to have my XXXX loans placed in deferment whil I am in school, all of them were - except for the ones serviced by American Education Services. AES claims that the originators of the loans ( XXXX and XXXX ) are the culprits, however, all of my other undergraduate lenders ( XXXX, US Dept of Education, XXXX XXXX ) had no problem deferring payments while I am XXXX. They ( AES ) cite YOU - CFPB - as their source of information. 

Furthermore, while awaiting a decision on my deferment status from this servicer, my monthly payments have fallen behind ( again, I am a XXXX - and can not have a job while in XXXX of the United States ) and now my parents ( who are XXXX and XXXX years old ) are receiving about XXXX harassing phone calls per day from these lenders - and are TERRIFIED that their home and/or car are going to somehow be placed in judgement and repossessed because of these trivial XXXX student loans.
I am having a problem with the current holder of my mortgage loan, Seterus Loan Servicing. I have dealt with rude customer service agents who refuse to look at my current financial situation or assign a designated contact to work with me. My loan is a government Fannie Mae loan and I know that there are some new programs available for homeowners like me who are struggling. I bought my home in XXXX and my loan was transferred to XXXX. I dutifully made my monthly payment until the recession hit and I lost my job after 16 years with the same company. I had issues trying to get set up for unemployment and after my savings were depleted I fell behind. Once I found work again I tried to engage with XXXX ( who now held the loan ) but they would not work with me unless I got caught up on the payments -- but I was too far behind at that point. 

I finally got some traction in XXXX when the loan was transferred to Seterus and went through a review for a modification and was approved. The problem was that my payment went up nearly {$400.00} a month and my interest rate was 5.5 %. I was scared this was all I would ever receive from them so I accepted the offer and paid on it for as long as I could until it just did not work anymore. Since that time I have repeatedly tried to re-engage Seterus but have made no progress. I just heard about some new Fannie Mae modification programs that have been started and I believe that I fit into the rules for these programs. I have attempted to get Seterus to review me for these programs but continue to get poor customer service and deal with disinterested and rude agents. I do not think this is a good way to run a company and want to file a complaint against Seterus.
This collection company has been properly notified both by mail and fax that the debt they report on my experian does not belong to me. They have been asked to show proof and can not. They have responded to zero request as a matter of fact. Thier phone number listed on the Internet is not valid and I have read horrible things about this same thing happened to thousands of people. It is amazing how little verification is given when C R As ask companies to verify and how much they ignore the law.
I took out a lean on a XXXX XXXX XXXX ( I think in XXXX ) with XXXX XXXX in the amount of XXXX, XXXX dollars. They have passed on collection of the loan to several other companies since then. Each time the debt passed I requested debt validation but just got half answers and the run around. Recently last year ( in XX/XX/XXXX ) it passed to Real Time Resolutions whereas I immediately requested debt validation because this debt has gone on forever and I am questioning how it could still have such a high balance rather than having possibly been paid off years ago. On XX/XX/XXXX I wrote to Real Time Resolutions and requested debt validation. Exhibit # 1 ( I will upload to you ). I received a response from them on XX/XX/XXXX that says they are, " currently researching your account ''. Then approx. one month later I received another ( undated letter ) that stated, that they have requested information to adequately respond to my inquiry which they have not received - Exhibit # 2. To date I have not received validation of this debt and feel it was likely paid off years ago and that I am owed back funds ( plus interest ) due to over payments. Recently, I received a letter from Real Time resolutions trying to bill me for a late fee on whereas they had received the monthly payment on time ( and within the grace period ) - yet they continue to bill me for the amount of XXXX cents even though they told me over the phone the late fee bill was a mistake. Please see - Exhibits. ( additional supporting documentation ).
Equifax , I just received a letter from my creditor XXXX Stating they are lowering my credit limit, They stated in the letter that Equifax provided them with this information, There is no reason to lower my credit limit for I have been making all payments also they lower my credit score bye XXXX points again for no reason, If anything at this point my credit limit should be going up, I find this most coincidental sins I am in the proses of challenging Equifax , also I find this most disturbing for this in my opinion is nothing more than retaliation. 


XXXX
I have a debt from  XXXX  listed on my credit report that is in collections but I never had an account with  XXXX . Th e Collection Agency Convergent Outsourcing , Inc. is the one rep orting this debt on my credit file. I have used  XXXX   XXXX   XXXX  to try to get it removed as they have not sent any type of communication on when I actually did obtain this said account with  XXXX .  XXXX   XXXX   XXXX  was not able to get it removed as the collection agency is not responding back to them with proof that this is my debt.
I requested the Bankruptcy record to be removed from my report. It has been more than 7 years since discharge, and by their own words, the record remains for 7 or up to 10 years.
I started a refinance with Suntrust in XXXX of 2016. They were very unresponsive, Unprofessional, and down right rude while servicing my loan. So much so that it has taken over 3 months for them to process my refinance. I was told several weeks ago that the loan was done, they had everything they needed and that it was ready to close. Due to this information and differences with my employer I left my job 2 weeks ago thinking this would be closed the next day. Today XXXX/XXXX/16 I was told that my loan was denied due to unemployment. The entire process took too long and their communication during it was horrible. I have email strings where I ask for updates but i do not receive anything for a week. Life can change in 3 months and due to their incompetence it was not processed in a timely manner. When I asked to speak with a manager to resolve the issue/ try to find a work around i was transferd to a line and disconnected me. When i called back the line was busy and had to have a cs rep dial me in to speak with my loan officer who was rude.
Over three years ago someone at or through XXXX Bank transferred money from my XXXX XXXX   charge card,,, I notified XXXX of this authorize transferee they did nothing to stop it and two other ones. I canceled their card and paid what I owe them. Now they are using Radius Global Solutions LLC aka XXXX XXXX XXXX to collect this illegally transferred money. They call daily event on the weekends and keep sending mail.
I have a Citi card and am due a refund as part of the XXXX settlement reached with regulators. I received a letter from Citi dated XX/XX/XXXX advising me that my refund check had been sent, but not cashed. I called them on XX/XX/XXXX and was told they would send another check and to followup in 3 weeks. 

I never received the 2nd check either. I called Citi yesterday and there is no answer at the XXXX # provided. I called the regular customer service number and was told there was nothing in my history about the refund. I was told a manager would call me back by XXXX XXXX, but I never got a call. 

I want either the check, or the money applied to my account balance.