WillisBack/dataset-financial-user-claim huggingface dataset:
A company by the name of Jefferson Capital Systems , LLC ( JCS ) has made XXXX attempts at collecting a debt related to an overdrawn checking account from XXXX XXXX XXXX. After my initial letter vehemently disputing the account/debt relation to me, they interpreted this as my agreement to it and chose to move on with their " repayment program ''. 

I will appreciate input as to what my options are for an escalated response and defense from this rather irresponsible company and its unacceptable set of tactics.
This account was opened by my ex-wife. At this time, we did not even know each other. We did not get married until XX/XX/2009. I never signed for this credit card, charged anything to it, or accepted any type of financial responsibility for it. My ex-wife filed for bankruptcy, this account was included in that. It wasn't until then that the company attempted to collect from me. My credit it flawless except for this and one other account with the exact same circumstances.
Recently while conducting a monitor of my credit report I discovered that Choice Recovery has furnished some items that has been unverified. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from Choice Recovery but I am unaware of the amount due and the bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX to release my medical information to a third party. I am aware that HIPAA does allow for limited information about me but anything more than XXXX XXXX XXXX is to only be revealed with the patients authorization.
Transunion has not updated all my accounts,  XXXX   XXXX  has a balance of {$290.00} and has since been paid before due date of  XXXX / XXXX /   17  and reports on the  XXXX  of each month. I have a   XXXX   balance on the account and by reporting the high balance, this is hurting my credit utilization.  XXXX   XXXX  confirmed my statement and that they have already reported this information to the credit bureaus. Why has this not been updated on my credit file.
My loan was in deferment/forebearance and XXXX reported it as late for several months when I contacted them they said they were going to remove the incorrect information and it still remains. I contacted Trans UnionXXXX and XXXX and they said they were going to contact XXXX and nothing ever happened.
On XX/XX/XXXX I received an email stating that I was denied a loan. I never applied for a loan or gave the company my information or permission to run a credit report in my name. I've attempted to contact the company to resolve the issue and they refuse to respond to me and my request for information. I've been attempting to contact them since XX/XX/XXXX.
I was on a payment plan that was dependent on me making my monthly payments on time. If I missed even XXXX payment, my payment plan would no longer be valid and I would have to pay about 5 times as much per month, which obviously I can not afford. I was set up on automatic payments so that I would never miss a payment. However, every XXXX4 months, my auto payment suddenly would n't go through and I would contact the lender Immediatly and they would tell me since I was late on my payment, my plan was no longer valid, and as a result they tacked on so many penalty fees. I would then beg and plea and get back on the payment plan, but they would never waive the penalty fees. My loan has basically more than doubled because of these penalty fees that were not my fault. I am currently out of work, trying to get XXXX, and I have a newborn. My husband is self employed and we live paycheck to paycheck.
This is a unknown medical bill listed on my credit file which I have disputed and nothing has been given for validation please help
On XX/XX/XXXX, an unauthorized transfer of {$2400.00} was made from my Wells Fargo checking account, through XXXX to an unauthorized recipient. I received a text notifying me of a new recipient and a phone number to call if I did not add the person. I called the WF Online Fraud Hotline immediately. While on hold for 52 minutes, I was unable to logon to online banking, my online credentials were changed without authorization and the money was transferred out of my account. I had no way to stop the process and once my call was finally answered, I was told it was too late for the bank to stop the transfer.
I cosigned a lease for my son. After he moved out of the apartment with the appropriate notice the the apartments kept billing us ( through a shell company ) for common electric, pest control and garbage collection. I wrote them several times and even sent copies of my canceled checks from my bank but they continued to bill me then put a negative mark on my credit. The apartments are XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. The shell company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. I repeatedly asked for an accounting of my payments and their billing but never got a response. Also there is no way to contact this shell company except through mail as they do not have a phone number published.
I have dispute several items with Experian. Those items are for XXXX and XXXX XXXX XXXX. Each time they send a response saying the accounts disputed are verified however, they never attach proof of this verification with my results or my credit report. In addition, they do not attach information regarding how they verified the account and they are supposed to.
I have lost my job and my cosigner is retired and they will not work with us on payments, but I asked them to cease and desist calls my cosigner advised they keep calling. I also need a lower payment so that I do not mess up my credit while I am actively looking for a job.
I co-signed a student loan for a friend and the loan was sold to debt collection agency called National Enterprise Systems in Ohio after default. The Collection agency fraudulently obtained my bank account information and withdrew XXXX withdrawals from my bank account in the amounts of {$1400.00} and {$1100.00}. I did not give the collection agency my banking information or permission to withdraw money from my account.
I took out a payday loan from XXXX XXXX, in Ohio, in XXXX. I then enrolled in Consumer Credit Counseling to consolidate and reduce my debt, including payday loans. 

Then a couple of months ago, XXXX XXXX, XXXX in XXXX, GA, contacted a family member of mine, telling my family that I owed XXXX XXXX for this past debt from XXXX. XXXX XXXX   pressured my family member to provide some information regarding this loan, including threatening a lawsuit or criminal charges brought against me. XXXX XXXX told my family member that the statute of limitations on payday loans in Ohio was up to 12 years. I was never contacted in any format, including by phone or through writing in the mail, about XXXX XXXX ' claim of this loan. 

I check my credit score every couple of months, and on XX/XX/XXXX, I saw that XXXX XXXX listed this issue as a derogatory mark on 1 of my 3 credit reports. In this derogatory mark, XXXX XXXX   lists the opening date of the loan as XX/XX/XXXX, which is false information. 

I have filed a direct dispute with the Credit Reporting Agency that lists this derogatory claim on my credit report, and I am currently waiting on the results of this inquiry. 

The name and contact information of this company that is making this false claim is : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX
TransUnions investigation about my debt dispute with XXXX did not PROOF or provide any supporting documentation that I LAWFULLY owe this alleged debt.
XXXX we bought the house and the loan was from XXXX. We were paying XXXXa month. The loan was going on interest only for 5 years. In 4 in a half years later we submitted a loan modification. The loan amount stayed the same with taxes included. The insurance was paid separate this was in XXXX. In XXXX I called b of a asking them if they can help me with modification because I knew the rate was going up and I 'm on XXXX and social security. They told me yes, they can help and to fill out the modification forms. After, I received the modification that the loan has been sold to sls mortgage. So, I had no help from XXXX like they mentioned to me. I continued sending my payments on time every month. I asked in XXXX XXXX respectful in my interest and payment for XXXX. The mortgage sls told me they were going to send me a letter within 45 days before about the information how much my payment is along with my interest. I never received this letter. 
Approx. on XXXX XXXX I just received the letter. The letter of the new payment to start on XXXX XXXX, XXXX the amount of XXXX a month. this is the complaint that I 'm doing. That XXXX and knew they were going to help me and complicated to make this payment. bottom line is that XXXX mentioned they were going to help me and they decided to sell it to sls. In XXXX XXXX I submitted a package of modification to the mortgage sls. They denied it because of my income. They said that its better to sell the house and they can not help me at all. In XXXX XXXX XXXX I submitted a new form of modification with a little more income included. I 'm not sure if they will deny it or accept it to help me with a lower mortgage. If they do n't accept it I would have to leave the house because the fault of XXXX telling me they will help. Without me knowing from XXXX was going to go up XXXX. I became on XXXX permanent with social security. My wife is retired. The only thing I want is to find out how they did this to me this contract.
I was contacted via my cell phone  ( first time ever ) f rom Asset Recovery Associates this morning. I was advised I have ignored their letter  (  I have not received any written communications from them in the past ) and they were offering me a one time " deal '' to settle a {$11000.00} debt for an electronic payment of {$1500.00} and {$2400.00} on  XXXX   XXXX . When questioned I was informed the debt was from a  XXXX  Credit Card I reportedly defaulted on in   XXXX  . When asked to provide verification of this debt I was told no and if I did not take the offer the court had already been notified and a judgment would be levied and my wages garnished for up to 40 %. I informed the supervisor  XXXX   XXXX  (  XXXX   XXXX  ) that " IF '' this was my debt the statute of limitations in Mississippi was three years and he was eleven years outside of that. Mr.  XXXX  then became irate and called me irresponsible, a bum and a " superthief '' for " taking '' the money from  XXXX . Mr.  XXXX  ten went on to say he would " GAURANTEE '' I would pay the {$11000.00}. I sent him a responding email to cease and desist all contact and the state statutes for time barred debts.
I have a current mortgage serviced by Seterus , Inc . I am trying to pay down the principal every month by adding {$120.00} payment. I make the payments over the phone, separately, and the representative on the phone tells me I can make the payments this way. Seterus ' representative gives me a separate confirmation number for each payment ; mortgage payment and the extra principal payment. But when I receive my mortgage statement, it shows the extra principal payment going into a suspense account instead of going to the principal balance. I have called to get it fixed, just to have it occur again the following month. This month I received a letter with my mortgage statement explaining that Seterus " can not accept partial payments '' so they put the money in a suspense account. When I make the extra principal payment I am not making a partial mortgage payment and the representative on the phone assures me the money will be put on the principal. I called Seterus this morning and spoke to a customer service agent who told me that Seterus can not take extra principal payments over the phone because the system can not accept it and therefore every time I make the payment over the phone it will be put into a suspense account and eventually moved. She advised me to send a separate check to Seterus in the mail for the principal payment if I do n't want the money to end up in a suspense account. I do not understand why a servicing company can not apply payments over the phone as directed when it takes an employee to enter the principal payment into the computer either way. I do not believe I am the only person trying to responsibly pay down my mortgage and being told conflicting information. Putting my extra payment in a suspense account instead of the principal on allows Seterus to make additional interest and costs me every month. I would like to know if a servicing company can purposefully make it more difficult to pay down the principal balance, especially for people who do not use snail mail anymore, in order to dissuade people from doing so.
As a result of the XXXX breach, I have been trying to understand my risk and mitigate them. I 've spoken with all three credit bureaus, and feel less secure than when I started. All three are like mafia businesses : These credit agencies collect our private info without our permission. Then they want to charge us to protect us? And according to the XXXX  agent ( phone call today, XX/XX/17 ), if I sign up for XXXX XXXX, I waive my legal protections in case I end up a victim as a result of their incompetence? 

So, I 'm terrified and would like some protection from these risks. I do n't trust this industry to police itself, please help. 

I also have XXXX XXXX boys ( XXXX, XXXX ). Each company says different things, influenced by state law ( I 'm in Calif. ) and their internal policies : TransUnion says I have to get a court order to put a credit freeze on my XXXX XXXX XXXX. But I can send in an application to note of their files that they are minors. Not sure that would do anything, and do n't they already know that they are minors? 

XXXX says that my boys have to call them for service, that I ca n't act on their behalf since they are no longer minors. This is their internal policy. I thought I was legally responsible for my children! XXXX? 

XXXX says 'do n't worry, since they have n't started financial activities, they will have no credit on a credit report. I do n't need to do anything. Right. 

Dealing with these call centers has been awful. The agents range from haughty and impatient to ignorant. None of them clearly explained my risks and what their services can do to protect me. 

Why is XXXX even in business? They had one job to do! This information is too sensitive to be left to fly by nigh businesses with little accountability to their customers.
As a result of using a fraudulent credit consolidation company, ( XXXX XXXX ), My Credit Score dropped and accounts became delinquent. Lack of resources caused my vehical used as collateral, was repossessed, sold, and a balance was due, it was then charged off by original creditor. Thus happened in XXXX. I went through the proper channels and procedures through XXXX XXXX over many months in XXXX, Contacting the debt collection agency who currently had my account to verify facts about the debt. Two letters were sent with no reply, I submitted a complaint through XXXX XXXX with no resolution to the unfair practice of not receiving any reply to my requests from Lvnv Funding for the account that is for XXXX, it is also being reported by previous debt collector 12 XXXX XXXX as an open account. please help,
Over the past months and years of dealing with Wells Fargo and the consistent mis-handling of applying mortgage on time, I have gone the extra step of pulling funds from XXXX bank ( XXXX XXXX XXXX XXXX and taking it directly to the Wells Fargo branches as to avoid any confusion. Wells Fargo knowing that I have my payment history and receipts and dates, have chosen to apply my direct mortgage payments, not directly to the mortgage. I have even paid payments ahead of schedule ( Twice in a month ) on some occasions. Wells Fargo also does not report my mortgage to the credit bureaus, despite the fact that my attorney at the time ( XXXX Law Firm ), was never sent the reaffirmation paperwork. They insist on placing blame on the firm. Although the firm ( XXXX Law Firm ), does not hold the mortgage loan. It is unsettling to me to have to constantly deal with incompetence, such as XXXX XXXX XXXX XXXX XXXX. This lady consistently interrupts in conversation, combative, passive aggressive, unprofessional and refuses direct requests when made. The role of a executive customer service, is to uphold the requests of mortgage holders. For whatever reason or situation at home, XXXX consistently is unprepared and not fit to adequately deal with mortgage holders, her constant interruptions and screaming into the phone are absolutely annoying and unacceptable and unbecoming of the new direction Wells Fargo is attempting to move in. It is my request to have XXXX XXXX as my point of contact and only XXXX XXXX, she is knowledgeable and knows her job, unlike XXXX, whom is totally unfit to serve in the position she holds. It is for these reasons I herby request XXXX XXXX as my point of contact and also herby demand that they locate every payment I have made to match the ones I have recorded by dates. Additionally I herby request no further contact with XXXX and or her recommend anyone on my behalf, she does not have that type of power and I also request that XXXX be re-trained. This due to the conversation that occurred to on XXXX XXXX, 2016, if you need to hear this conversation. I suggest that you pull the call and if you choose not to pull this call and administer re-training, you are doing Wells Fargo a dis-service and will remain in the C-rating category.
I used my Bank of America debit card to purchase a hotel stay in XXXX 2013. There were major issues when I got there and my method of booking ( through a third-party called XXXX ) prevented me from getting immediately refunded. I started a dispute with BoA and they sided with me. It was an exhausting process so I closed my bank account. I ran a XXXX report recently and there 's a negative report from Bank of America for over {$600.00}. I never received any communication from BoA that they changed their position on the dispute, never received any collection notices or phone calls, or emails informing me of any debt. I feel as though the dispute was closed and I should not be held responsible for the transaction as originally stated by the bank.
This is a very old account that is way more than what I think is owed. My estimation is that this particular agency has charged me in excess of {$900.00} in late fees/surcharges that they agreed to be waived.
Toward the end of XXXX I received a letter from Navient informing me that they had been sending my invoices to the wrong address and that my account was overdue. This account had been in deferment for quite some time. Most of my student loans had been managed by my parents early on and I had no idea that this account was coming out of deferment until I received the letter. The past due balance was immediately paid and automatic payments were set up to avoid any miscommunication going forward. Immediately after payment they reported me 90 days late and would not see any fault in their failure to communicate.
I told them on several occasions the person they are calling does not live here and they still continue to call. 

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On XX/XX/XXXX I received a letter from GC Services Limited Partnership in regards to the debt I owe to XXXX University. On XX/XX/XXXX I processed a payment through the given website on the letter. My bank account is showing that the payment has been processed and cleared yet their website is showing the debt is still owed and I continue to receive calls from GC Services Limited Partnership. These calls have been received the following dates : XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I've explained this issue to the gentleman calling and he states that the charge does not show up in their system. I've also attempted to contact their company through email but the email address listed on their website appears to be incorrect as the emails continue to show that they can not be delivered. The customer service rep I speak to with GC Services suggests that I submit my payment again. I should not have to do this as the payment is showing as processed. I am concerned that this is fraudulent practice.By the company not showing that my debt has been paid, XXXX University is withholding my XXXX XXXX XXXX certification.
Creditor contact detai ls : National Credit Systems,   XXXX .  XXXX   XXXX ,  XXXX , GA  XXXX   (   XXXX   )   XXXX . Reporting a open date to my credit on  XXXX   XXXX ,  2015. Ori ginal creditor :  XXXX   XXXX   XXXX . I do not have any knowledge of this debt. I have never received any communication notifying me of this debt and their actions to place this debt on my credit, negatively impacting the reputation of my credit worthiness and livelihood, prohibiting me from being able to secure stable housing for my family and I. I request written validation of this debt including contracts between the creditor and I and valid signatures. I request that this property remove this derogatory mark from all three reporting credit bureaus and allow the chance to secure validity of this debt.