WillisBack/dataset-financial-user-claim huggingface dataset:
Please remove the following accounts from my report as they do not belong to me. I have been on the phone with your company and went over my name and address. Please remove the following accounts from my report as well as the corresponding inquiries : Closed Accounts Account Name Account Number Date Opened Balance Date Reported Date of last reported update. Past Due Status Condition of account when last updated by creditor or otherwise. Credit Limit XXXX Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX CHARGE-OFF {$2000.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX CHARGE-OFF {$6000.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX {$0.00} 120+ DAYS PAST DUE XXXX BANK Show Details XXXX XXXX/XXXX/XXXX {$14000.00} XXXX/XXXX/XXXX {$14000.00} CHARGE-OFF {$13000.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX CHARGE-OFF {$1000.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX CHARGE-OFF {$0.00} XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX COLLECTION ACCOUNT XXXX IN Agency Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Date Reported : XXXX Date Assigned : XXXX Creditor Classification : Cable/Cellular Creditor Name : XXXX Account Number : XXXX Account Owner : Individual Account. 
Original Amount Owned : {$440.00} Date of XXXX XXXX Delinquency : XXXX Balance Date : XXXX Balance Owned : {$0.00} Last Payment Date : XXXX/XXXX/XXXX Status Date : XXXX Status : P - Paid Comments : Consumer disputes - reinvestigation in progress XXXX , XXXX Agency Address : XXXX XXXX XXXX, XXXX XXXX, CO XXXX ( XXXX ) XXXX Date Reported : XXXX Date Assigned : XXXX Creditor Classification : Banking Creditor Name : XXXX ITS A Account Number : XXXX Account Owner : Individual Account. 
Original Amount Owned : {$380.00} Date of XXXX XXXX Delinquency : XXXX Balance Date : XXXX Balance Owned : {$0.00} Last Payment Date : XXXX/XXXX/XXXX
Predatory bank practices on our home ; ie, lack of modification two times, will not lower the 8.39 % interest. We were recommended to this agency from our state 's AG office. We believe the actual loan is with XXXX, yet serviced by OCWEN LOAN SERVICING with call centers in XXXX. Lack of negotiations from them. After 12 years and no missing payments from us. They will not be compassionate or care to understand w/o lowering the interest rate. Unfair practices to force retired, good people like us into foreclosure and lower standards of lifestyle from own home.
I settled on 2 loans by XXXX XXXX XXXX XXXX but I am not sure if I own the loan, I do n't have any paper work proving I own the loan and they did not provide any information after I asked many times.
The current holder of my student loans is ECMC, who acquired it from XXXX XXXX XXXX. ECMC shows that I owe {$220000.00} on my account. When I look up my account history on the ECMC website, no payment activity is shown for the time period XX/XX/XXXX-XX/XX/XXXX. During those 5 years, I had paid nearly {$1500.00} every month to a Chapter XXXX trustee, most of which was disbursed to XXXX XXXX. In the past I 've asked for a detailed accounting from ECMC to show how the current debt was calculated but did n't get an adequate response. XXXX XXXX XXXX no longer has those records, I was told in a recent phone call. I would like to know for certain that the debt is accurate and valid, but ECMC is infamous for being difficult to work with. Please let me know what options I have. Thank you. By the way, I 'm XXXX years old, if that has any bearing.
These people claim that I took out a loan with them sometime late last year, but I did hear anything from this company till around XXXX of this year. From what I know, this loan company only has my home address & our phone numbers, nothing else. They have no signatures or my social security number that I know of! They have harassed me by calling my phone numerous times a day. They some how got my wife 's number and now call her several times a day too! I do believe they have been gathering info off my XXXX. They have came by my home and have beated on my door numerous times. I have asked them to stop over and over. They have harassed some of family members. I am assuming they found on XXXX as well because they have also harassed some of my friends too! Now, that I threaten to turn them in for harassment if they do n't stop, they now are dropping notes off at all my neighbors homes and in my XXXX mail box, which I thought was federal offense.. This is rediculous that a company can get away with this type of threatening behavior.
Received a notice of debt collection that went to my old address for medical bills that I never had. The fact that this went to my old address and I have not been to an Emergency Room or had any operations, makes this seem suspicious if not fraudulent. I recently purchased a home and no-where in the loan application did this debt show up. After a quick XXXX search, said company has been accused of shady and fraudulent business practices in the past and the majority of anonymous users instructed readers to take their problems here to potentially resolve the issue, I sincerely hope that it will.
I am an XXXX-year-old man who went to XXXX XXXX in XXXX, California to buy a used car. The salesman told me I did n't have good enough credit to buy a used car and said that I could get a loan for a new car. He arranged a loan with Westlake Finance for a loan with 22.19 % interest for the cost of the car plus a {$2500.00} extended warranty. My grandmother helped me realize what I would actually be paying for this car and took me to her credit union who bought out the loan and is charging me 2.44 % interest. On XXXX XXXX, 2016, I cancelled the extended warranty. XXXX XXXX told me the {$2500.00} would be sent to Westlake Finance within 60 days who would then forward the money to my credit union. After many visits to XXXX and phone calls to Westlake, I now have a copy of a cancelled check in the amount of {$2400.00} sent to Westlake by XXXX and endorsed and cashed by Westlake on XXXX XXXX, 2016. They deny all knowledge of it. XXXX says they have done their part and have washed their hands of the matter.
Hello, Experian continues to provide a report from a firm called " XXXX '' out of XXXX, CA reference an unknown billing that has been disputed and the company has failed to provide any proof of debt to me. The information is not accurate and is not owed. Experian should remove the inaccurate information.
it has been more than 30 day that i send out a letter disputing wrong information on my report and I have not received anything as im writing this complain on XXXX/XXXX/16
I have made several requests to Portfolio Recovery Associates ( PRA ) to validate the account. I requested the date of delinquency, date the account opened, and last payment received. I formally made the request XX/XX/XXXX. PRA received the request on XX/XX/XXXX ( enclosure ).

This validation must include the name and address of the original creditor, documentation obtained from the creditor proving that I have a legal obligation to pay, documentation proving that PRA have the legal authority to collect, and all other notices required by law. If PRA can not provide the validation required, then PRA must remove from your files any negative reference concerning this account. PRA is in violation FCRA. PRA provided the date the alleged account opened. XX/XX/XXXX. That was the only date provided. Tennessee statue of limitation is 6 years in wish expired XX/XX/XXXX. PRA can only report for 7 years to the credit bureaus. PRA states there were not any known un credited payments, counterclaims or offsets against this account at the time of the sale. PRA shows the date of last activity prior to the sale of the account is XX/XX/XXXX and that is the information provided to me. XX/XX/XXXX is seven years from the last activity. PRA can not continue to report this alleged collection.
Arvest Bank allow XXXX go into my account and try to debit it {$380.00}, I did not authorization this transaction and I do not have overdraft protection. Now I am receiving notices from the bank indicating I have a negative balance of - {$290.00} and it must to paid by XX/XX/2019 or will be charged-off. I did not believe this is fair, I did not authorization XXXX into my account, I did not even have overdraft protection on this account, and I am not understanding how XXXX charges can be submitted if you don't have overdraft protection, I have not used XXXX for over 1 year and I have tried to make arrangements with them, but you can never get to the correct person to speak with, everyone tells you something different. I want these charges removed from my checking account.
My sister received a voicemail of a civil complaint towards me regarding a debt. I called the Company XXXX XXXX XXXX XXXX on XX/XX/2019. I set up a payment schedule for a debt of XXXX through XXXX XXXX XXXX. I have signed a contract which I regret doing.
BACK IN XXXX OF 2008 I SUBMITTED 2 COPIES OF MY POA TO SALLIE MAE. I WAS TRAVELLING IN AND OUT OF THE COUNTRY A LOT. THUS I WANTED MY MOTHER TO HAVE ACCESS TO MY STUDENT LOAN ACCOUNTS. TO ASK QUESTIONS, REQUEST DOCUMENTS FOR ME, MAKE PAYMENT, AND PROVIDE THEM WITH INFORMATION. WHILE TRAVELLING IN XXXX I RARELY HAD SERVICE AND WAS LATE ON A FEW PAYMENTS. THEY WOULD CALL MY HOUSE BUT WOULD NOT SPEAK WITH MY MOM. I PROVIDED THE POA AGAIN TO THEM VIA EMAIL AND FAX. THEY STILL WOULD N'T SPEAK WITH HER. CURRENTLY I SEND IN A COPY OF MY STANDING POA IN EVERY YEAR. SINCE THEY HAVE CHANGED TO XXXX I HAVE EXPERIENCE SIMILAR PROBLEMS. SOMETIMES THE PERSON WILL SAY YES WE HAVE IT ON FILE. OTHER TIMES THEY WILL SAY THEY NEVER GOT IT.
I am being contacted by a law firm for a debt I do not owe. I have kindly ask this debt collector to verify the information according to the laws of consumers. I have requested the original documents and verify the information accordingly. They have not been able to. I was a victim of identity theft in which I reported this information to the FTC and credit bureaus. This debt collector is harassing me for debt I do not owe and wants me to enter into an agreement with them that I am not required to do by law.
On XX/XX/XXXX our contract with XXXX, XXXX ended and went on to a month-to-month. In XX/XX/XXXX we installed XXXX Floodlights front and back. On XX/XX/XXXX I spoke to XXXX and cancelled our service. He connected me to a sales person who stated that if I would start a year contract they would be able to keep our payment at {$34.00} instead of the new monthly payment of {$53.00}. I declined the offer. On XX/XX/XXXX I received an E-Mail entitled " Your XXXX   Services Have Been Cancelled ''. In the body of the E-Mail it stated " You will receive a final statement within 30 days of the service discontinuance effective date. '' For safety I placed a STOP Payment on my bank account on XX/XX/XXXX for {$34.00}. On XX/XX/XXXX I received an E-Mail from XXXX stating {$53.00} was due by XX/XX/XXXX. On XX/XX/XXXX XXXX removed {$53.00} from my bank account. When I found out what happened I filed a dispute with my bank and XXXX returned the monies to my account on XX/XX/XXXX. On XX/XX/XXXX the bank placed a STOP ALL on my account. According to XXXX 'S Alarm Records, on XX/XX/XXXX they did a test at XXXX XXXX and it came back OA-Out of Service. On XX/XX/XXXX I removed and disconnected all their equipment. On XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Ft.   Washington, XXXX XXXX XXXX advising me that this account was put in collection. I immediately called and spoke to XXXX and verbally gave her all the information and she stated that she would file a dispute and to call back in a couple of weeks. On XX/XX/XXXX I called and talked to XXXX and she stated they had not heard anything. On XX/XX/XXXX I called and spoke to XXXX and she stated that the dispute had been resolved and a letter was sent to me. On XX/XX/XXXX I received the letter from XXXX XXXX XXXX XXXX showing the {$53.00} as still due along with a copy of the bill effective XX/XX/XXXX to XX/XX/XXXX and a copy of an E-Mail dated XX/XX/XXXX stating that the automatic payment was declined. I called and spoke to XXXX and he said that he would put it in dispute for another 30 days.
I received an email this afternoon from my bank, PNC, to let me know I have the option to opt out of their arbitration clause and that if I choose to do so, to clink on the link that is supposed to be in the email. 
However, there was no such link in the email. So, I went to their on-line chat service and brought this up. They said I could call the bank and talk to XXXX of the consultants. I asked though, if they could just send me the link. They said I should call. 
After I called, I spoke to XXXX XXXX, PNC Customer Service Representative about this. She said they were working on the link. I expressed my extreme dismay and concern that the bank would send out an email without the link attached and that it felt to me like they were making it hard for customers to actually opt out. I also said that the online chat people at least should have been able to give me the link. 
She took my information and will be opting me out of arbitration with a follow up letter to confirm this. Again, I expressed my concern, asked her to send my complaint to the appropriate PNC officials and that I would let the banking regulators know - thus my complaint.
Entire Problem : I was pre-approved for a loan with XXXX/Avant credit on XXXX/XXXX/2015. When I was pre-approved I was given a list of reasons why the terms I was given and a credit score disclosure. At the time the date of the credit bureau pull was XX/XX/2015. My credit score was XXXX. The company provided me loan documents and loan disclosures to move forward with the loan. However I wanted to review. I phoned into Avant on several occasions after XXXX and was told that the approval was good for 7 days. I just had to finish the documentation and sign the documents to receive funds. I was traveling and was not able to complete the application instantly. I went to sign on XXXX, and was still able to complete the process but my computer froze. I tried later that day and was then given a denial notice with the same information that I was approved for. The denial notice was the same as the Credit Bureau Disclosure Notice for Terms. I phoned in to the call center at Avant and spoke with a rude representative XXXX. I explained the situation and she was very rude and was not willing to assist in a solution. I asked to speak with her manager several times and she told me her manager would not be able to help and tell me the same thing. I continued to ask to speak with a manager and she denied me several times until I was transferred to XXXX. XXXX was not very pleasant to speak and I ended up having to speak with XXXX the Section Manager. I explained my concerns and he told me he could not assist me that the compliance department would respond and they are only reachable by email. I explained that your company mislead me and that the reasons for denial were false and not accurate. You once approved my loan with the same information you were denying me on.
Due to the fact that my problem does n't truly exist in the drop down menu I will explain it myself in detail. I sent a Medical Creditors Validation letter with HIPPA requirements to Central Financial Control. I had my Personal Financial Consultant XXXX XXXX to speak on my Behalf with them as well. I sent a legal authorization form to them as required. This account is a medical account that was in their office and I sent the letter for them to validate the debt in the allotted time frame given by the FDCPA which is 30 days. In my case the debt was validated wrong by Central Financial Control. Therefore, by the FDCPA and Texas FDCPA Law which state that a debt collector must be register with the State of Texas in order to collect a debt in Texas. Also, I know that a Debt Buy can not hire another debt collector to collect for them in Texas therefore this debt can not be transferred to another collection company. Therefore, this debt should be removed from out of the office of Central Financial Control.
I received a credit card from Capital One XXXX ago. after the XXXX payment thebalance was supposed to increase. Lol and behold all of a sudden therere was a problem with my bank. Capital one says the bank send payment back. The bank says Capital One set it back to them. And the same thing keeps happening and the interest went up too. I was interested because I wanted to restablish my credit. I was an unsolicited offer also. I have talked to them several time about this and the fact that they ca n't add. I looked at my statement tonight and it shows a payment posted but the total available balance is not correct. And still shows I owed the payment for theXX/XX/XXXX payment which had posted. When chatting with the rep. he apparently went in and XXXX it out but then it showed XXXX due on the due date, which was already posted and payed. I hope all this is getting through, because it is moving off the page and ca n't see the part on the right side. I think this is a scam on the part of Capital One and wonder if other XXXX and over people like me are having the same issue.
My mortgage started on XX/XX/XXXX with XXXX XXXX. It was sold to Statebridge starting XX/XX/XXXX. Statebridge then increased the rate and changed the escrow terms illegally. 

I requested to cancel the escrow account in XXXX and provided the proof of payment for the XXXX whole year property tax as requested by Statebridge. After I called them many times, they finally responded in XXXX. that they rejected the request stating that the escrow account must remain open for one year. I notified them that the original mortgage agreement I signed with XXXX did not have this requirement and according to the federal law, they cant change terms when the mortgage was sold to them. Ive also requested them to provide documents and proof that they have legitimate and legal reason to add this requirement. They just ignored my requests whatsoever. In XX/XX/XXXX I notified them that the mortgage had been one year and the escrow account should be able to be cancelled as they promised even with their newly added requirement I did not agree. But they again postponed the cancellation date to XXXX. 

During the time Ive also repeatedly requested the balance on the escrow account to be refunded or applied to the principle balance. They just ignored all my requests. And the escrow account had accrued more than {$15000.00} balance at this time. According to the service terms, the escrow account was established to pay the property costs so that the borrower did not have to pay one or two large payments a year. Since we had already paid the property tax for the whole year and requested to cancel the escrow account ( and would pay insurance by myself ), the escrow account was not servicing its purpose. They kept collecting the escrow funds each month and holding the funds there not servicing its purpose, which was against the service terms and illegal.

When the mortgage was sold to Statebridge in XXXX, they secretly increase our mortgage rate from 2.75 % to 3 %. When I found out the rate change in XX/XX/XXXX. and contacted them, the representative over the phone tried to lie to me that the rate did not change, and then lied to me that the rate increased because it was on the XXXX ARM. Though they finally reversed the rate on XX/XX/XXXX after my insistence and contacted them multiple times, Id like to point out they were committing something illegal.
In or around    XXXX   XXXX   , lifelong trusted friend, approached me about co-signing for a car. I was under the impression that co-signer meant a witness to the transaction or to confirm that Ms.  XXXX  was of good character. In or around    XXXX   XXXX   , I accompanied Ms.  XXXX  to  XXXX   XXXX   XXXX . At the time of signing, the car dealership representative directed me to sign here, noting that the signatures were just formalities. The representative did not explain to me what exactly I was signing or inform me of my responsibilities as a co-signer.   After signing, the representative did not provide me with any copies of the documents related to the car. Instead, he told Ms.  XXXX  and I that the documents will be mailed to you. I had expected to receive the documents in the mail, but I never obtained the documents evidencing my obligation as the co-signer on the transaction. I discovered that the car loan was reporting negatively on my credit report when I was denied for a home loan in late  XXXX . I did not recognize the  Exeter  account on my credit report, so I contacted  Exeter  using the information listed on my credit report.  Exeter  explained that I had co-signed for the car, and thus if Ms.  XXXX  defaulted on payments, the account would become part of my credit report. Exeter also sent me the  Simple Finance Charge do cument, which was the first copy of the Simple Finance Charge that I had ever received. After sending a verification letter to  Exeter  on   XXXX   XXXX   XXXX  , I received the statement of the account, a copy of a monthly statement, and another copy of the Simp le Finance Charge. How ever, I did not receive any documentation that proves I was reasonably informed of my obligations as a co-signer at the time I signed for this account. Pursuant to New York Obligations Law 15702, before a co-signer becomes obligated on a consumer credit transaction, the creditor is required to deliver to the co-signer a complete copy of each note, contract, or other writing evidencing the obligation of the co-signer on the transaction, and a written notice that identifies the debt the co-signer may have to pay and reasonably informs the co-signer of his or her obligation with respect to it. According to New York Obligations Law 15702, if a creditor fails to comply with these provisions, the co-signer shall not be obligated as a guarantor of payment.   At this point, I contacted the lawyers at the  XXXX   XXXX   XXXX . They wrote to Exeter on   XXXX   XXXX   XXXX   requesting that they produce documentation that proves that I was reasonably informed of my obligations as a co-signor at the time of signing as required by the law. To date, Exeter has not produced any documents nor have they responded to my lawyer 's letter. In violation of the law, they continue to report this account to the credit reporting agencies and have not removed me as a co-signor.
I do n't know why it keep saying they ca n't connect to my bank when it 's showing my bank balance on the app. Not sure what the problem is but last week I had no trouble connecting to my bank.
On XX/XX/XXXX, I made a contract with XXXX XXXX AT XXXX XXXX for 2 years. I left this apartments on XX/XX/XXXX with a clean record, they even return my deposit when i left. I got a derogatory remark on my XXXX credit report stating that this account got sent to collections. However, I was never notified about this debt and never received the bill. I would like to address the immediately and either pay off the debt or get the negative remark removed from my report.
Upon the termination of my XXXX enlistment on XX/XX/XXXX, Army & Air Force Exchange Service, which is a government debt has been collecting for almost 11 years now. From XX/XX/XXXX to XX/XX/XXXX, this was garnished from my XXXX payments. Prior to this I was make payments. After a year later due to lower income that excepted. XXXX XXXX or XXXX, submitted a garnishment of wages at a tune of {$210.00} a paycheck. The garnishment paperwork was sent in XX/XX/XXXX, but not received until after the 30 days due to relocating. New lease started on XX/XX/XXXX. This can be provided. Email from U.S. Postal Service can be provided to show date of change of address. Garnishment commenced on XX/XX/XXXX. I did try to resolve this, with no avail. This debt is over the statue of limitations for a government debt and should be discharged and removed from credit report. 

Thank you