WillisBack/dataset-financial-user-claim huggingface dataset:
Address : XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : ( XXXX ) XXXX Unified Portfolio Servicing LLC XXXX XXXX XXXX XXXX XXXX & XXXX XXXX, XXXX XXXX Calls family members in Alabama asking for me, when my grandmother or mom advises them that I am in XXXX the caller then explains to my family that " he is in trouble '' my grandmother and mom naturally ask if im ok but the caller states " i need to reach him about money he owes ''. 

I disputed this credit inquiry with XXXX, it was removed due to lack of documentation or response. When I explained this to the Oracle group they tell me this is not enough to end the discussion. I then asked for evidence of the loan which I show as paid off in full, they change subject to paying it off. I advise them that I paid it off and on top of that the original loan came from XXXX XXXX who is not responding to XXXX Inquiries. 

The employees at Oracle cut me off and state things like " who cares are you refusing to pay? '' When I ask for documentation. Im curious as to why documentation is so hard to get? It would need to be pretty solid to start calling family members I assume.
This letter is a follow up to my original letter dated XX/XX/XXXX regarding an inaccuracy in your credit reporting, regarding the entry being reported under XXXX XXXX. 

By not replying in a timely manner to my initial letter on you have not only violated federal law, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I have repeatedly asked for evidence to support your reporting, but yet again, you have failed to provide me with a copy of any viable evidence submitted by XXXX XXXX XXXX substantiating their claims! Furthermore, I have requested your method of verification, and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). Given that I believe you are acting in bad faith, and have not complied with the Fair Credit Reporting Act, I will have no other choice to File a small Claims Lawsuit against you and XXXX XXXX XXXX! I have maintained careful records of your actions as well as XXXX XXXX XXXX! Im a victim of fraud and Im trying to get to the bottom of things and you have failed to provide me with help! 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

More specifically, I am referencing the fact that you are reporting an incorrect high balance, incorrect account number, incorrect name, an updated late pay, missing payment history of payments made before and after charge off, inaccurate date of last activity, an incorrect original credit limit, a late pay after account was closed, charge off listed as OPEN a collection account with a limit! 


Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX, No. XXXX ( C.D.Cal. XX/XX/XXXX ),  you may be liable for your willful non-compliance. 

As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. 

I will be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office
Navient student loan was Paid off and never late it was in forbearance us dept of ed paid on time and never late it was in forbearance XXXX XXXX Im paying back on time and its still reporting me late I want the student loan people to stop reporting me late and remove all latenesses I was never late. when I tell them to remove it they said well its not on us call the credit bureaus.
Nothing was corrected and i was transferred over and over and over again to so many people who i had to tell the same information to. I got no where and had my insurance company on the line who were upset about the run around yet i coukdnt get anyone on the phone to correct the inaccurate reported information.
both of my credit cards have been reported as closed by consumer, which is not true, both of them are open being used by me and have perfect payments history.
XXXX XXXX XXXX University has engaged an outside party called https :  XXXX XXXX XXXX to provide students with XXXX IRS TAX FORMS. Heartland.ECSI.net   .suckered me into making an account with them that I can not delete. They will not provide a delete account option. Their phone and online chat wait time is so long it is unbearable. Is it University outsourcing? I do not know but this is the second University to do this to me this week. XXXX XXXX XXXX University made me submit my personal documents to an organization called XXXX, which also will not let me delete an they tricked me into making. I do not know who in the State of South Dakota is making these horrible outsourcing of Univesity data and personal privacy but IT MUST BE STOPPED IMMEDIATELY.
I had been accepted into XXXX XXXX University in XXXX XXXX, XXXX. I was an out-of-state student who lived in a small town in XXXX. I was informed I would get a {$5000.00} a semester scholarship XX/XX/XXXX and about {$1000.00} in a grant but I would have to come up with the rest of the money, myself, offering student loans both federal and private. I was not approved for much for federal loans but the private loans were pushed and accepted at $ XXXX per semester and even $ XXXX- {$40000.00} for a couple of semesters with a co-signer. It started with XXXX XXXX then it went to XXXX XXXX, XXXX and I ca n't even remember the other. Now, I 've gone through a " plan '' that was supposed to be 10 consecutive, on-time payments and have given them hundreds of dollars through which this " plan '' was purchased by XXXX. I 've been getting harassed by American Education Services since XX/XX/XXXX along with my mom and dad and even an aunt, my sister, and my best friend. That has continued to include National Collegiate Trust. Both of my parents have filed and won bankruptcy, separately, and while we know federal loans ( though we 've paid tens of thousands in the past 7 years ) are n't included in bankruptcy, the point is that we are all under a hardship. I called AES, today, to see what was going on and I was told that they could n't accept any type of payment other than over the phone and it had to be by checking or savings account, only, and credit cards and prepaid cards would not be accepted. My loan amount has n't budged although I filled out paperwork packets after paperwork packets leaving us all on edge and heavily confused with what to do or which way is correct. I have statements, emails, notes, and letters that I can provide but will need to have some time to gather ones from my parents. My husband and I are expecting our XXXX baby in just a few short months. I 'll be out on maternity leave and will not be paid for the leave.
United consumer inc never send me a letter or never contacted me.I dont remember had contact this debt. I just found the collection in my credit score. I try to call them but they just want me to pay something that I dont know. dont understand and dont know what they are talking about. This debt is totaly strange to me. Is look like this a scam. Just send them a letter to send me collection letter with all necessary document relate to this do calm debt.. Still waiting them. to react..
On XXXX/XXXX/16 I went to Lending tree looking to get rate quotes for an auto refinance. When filling out your information on the Lending tree website it ask for your information and the last XXXX of your SSN, which normally entails a soft pull for promotional purposes. It further states " View Free Offer ''. Well Lending tree was able to retrieve my full SSN, which I did not give them and they passed it on to other lenders who turned around and did a hard pull without my authorization to do so. When these lenders called and left a vm in regards to the the rate quote I wanted they said they needed additional information in order to proceed. Well I never called them back not realizing they had my full SSN and they pulled my credit report by just using the last XXXX digits of my SSN. I did not know this could be done. As I did not give my full SSN. Their website is not very clear and can be deceptive. When I contacted Lending Tree in regards to this matter they said it states that they will do a hard pull, but it does not state such where it 's very noticeable. Furthermore, they did not even give any rate quotes but only gave the lenders name and phone number. I think lending tree should put on their website that this will result in a hard pull in Big Font right underneath where it asks for the last XXXX of your SSN, as this is misleading and shoppers are unaware of this free offer resulting in a hard pull of their credit report. I also did compassion shopping of their mortgages and it did not result in a hard pull but a soft pull. I want Lending tree to have these inquires be removed from my credit report as I did not authorize for my credit report to result in a hard pull as I was not applying for credit but was simply doing comparison shopping of rates.
I send the three letters to validate my information And they havent sent me any proof that shows that I owe that amount The first letter was sent on XX/XX/2018 XXXX XXXX  sent the letterThe second letter was sent on XX/XX/2018The third letter was sent on XX/XX/2018 to experian I send All the letters certified
None of the above seem to fit took the best one. I was in the Hospital in XXXX, XXXX, XXXX My Medicare advantage plan has now started charging a per diem charge for hospital stays day 1 - 6. Got a call from XXXX, told them to send me a bill, got my first bill in XXXX. XXXX had denied the orig. claim. total was {$800.00} I paid {$200.00}. XXXX/XXXX/XXXX and XXXX XXXX/XXXX/XXXX, Honor health sent me to collections the same day because I refused to make formal payment arrangements. The collection agency will not take payments said I had to talk to the Hosp. the Hosp will not take payments because they turned it over to collections. I only had 2 payments left and no one can decide where I should send them. The collection agency and Hosp want the full amount. I was told that XXXX XXXX REQUIRES a patient to set up payment arrangements. Can they demand full payment? I figured I 'd have this paid off in less than 6 months actually it would be 4 months so a payment arrangement contract did n't seem necessary. But now no one wants the MONEY. The per diem charge was new in XXXX usually we had a co-pay it came as a great surprise that now we have a per diem. They have me delinquent because the charge was for XXXX/XXXX/XXXX even though I did n't get a bill until XXXX XXXX. Is it true that even if you make your payments you can still be sent to collections? it seems a bit odd that a creditor would rather take 50 % than the entire balance. If they are willing to take 50 % I could do that.. Do n't know what to do now, I had planned to send the Hosp, XXXX on the XXXX of XXXX, but I am being told that the Hosp and Collection agency can not accept the payment. It used to be that if a payment was refused by the creditor the creditor risked having the debt cancelled, has that changed? XXXX citizens have enough problems we do n't need any more.
Every time the phone number calls me and I answer, they immediately hang up. They never say anything. When I try and call back, I immediately get placed on hold. Sometimes I'll wait for a minute to try and obtain information as to who is contacting me. However, I become frustrated being on hold and hang up without ever speaking to anyone. Also, when I don't answer the call, and it goes to my voicemail, they never leave a message. Just today alone, XX/XX/2018, they have called my number four ( 4 ) times beginning at XXXX XXXX with the most recent one at XXXX XXXX. That is four ( 4 ) phone calls within six ( 6 ) hours! Yesterday, XX/XX/2018 I received five ( 5 ) phone calls from them beginning at XXXX XXXX with the last one at XXXX XXXX This is an EVERYDAY occurrence. The one and only time I actually spoke to someone, they were rude to me and refused to state the purpose of their call. At that point, I asked them to never contact me again. It's out of control how many times they call me even after I have requested they not. What makes matters worse, is I can't even get any information out of them to further pursue the issue at hand! It's beyond harassment at this point.
Loan is with Ocwen and seller is in pre-foreclosure, has NEVER asked for a postponement of the sale until recently once seller understood how a short sale would help them avoid foreclosure. Seller was told by Option One, back in XXXX that there was " Nothing they could do for them and to GET OUT '' of the house. They were told it would foreclose in XXXX XXXX. The house has sat vacant for years now, and seller never knew the bank did n't foreclose on them, until I reached out to let them know. After learning their story, i believe they deserve a break and would love to see them get a short sale approved. Today, Ocwen basically confirmed foreclosure is XXXX and that they did not have enough time to review the option and closed out the short sale review. We sent the proposal to Ocwen on XXXX/XXXX/XXXX, and are asking for postponement of the sale in order to get short sale reviewed. There is a cash offer on the table. Again, the seller has never asked for a postponement, this is the first time and Ocwen is saying no.
Nelnet has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Today, I went online to make my monthly mortgage payment at Ocwen and I was surprised to find that Ocwen had instituted new policies with regard to how a payment can be made, without having received any of this information by mail, in advance. 

The issue revolves around a {$7.00} service fee that they have decided to charge customers to make online payments. Not much, but I felt taken advantage of because I was not informed of the changes by mail, email or any other method, in advance. 

The website claims that if I were to enroll in " paperless statements, '' that the {$7.00} fee would be waived. 

I called and spoke to an Ocwen representative who informed me that they, in fact, had NOT sent out any information about these changes, but were in " the process '' of doing so. 

To me, this seems completely unfair and wholly inadequate. In my humble opinion, they should be REQUIRED to inform customers of any changes IN ADVANCE of making such changes. 

The representative I spoke with suggested that the changes had been noted on their website previously. I asked if it was then necessary for me to monitor their website frequently to " catch '' such changes. She had no answer. 

Kindly look into this deceptive and unfair practices being made to squeeze {$7.00} out of each of their customers. 

Thank you, in advance, for your consideration. 

XXXX XXXX
XXXX XXXX XXXX is erroneously reporting I have an account open and only provided negative information painting my payment history in a negative light which has directly caused me to be declined by XXXX XXXX for a loan consolidation in XX/XX/2017 on an account for which Ive timely paid for 5 years and over $ 100K.
Today,XX/XX/XXXX at XXXX Utah time, I recieved a summons from Express Recovery Services of XXXX XXXX, UT. At some point unknown to me, XXXX XXXX XXXX XXXX XXXX UT, hired Express Recovery Services to collect a medical bill debt from my wife that happened on either XX/XX/XXXXor XX/XX/XXXX. The problem is that we did not know Express Recovery Services or XXXX XXXX XXXX  were trying to collect for a bill due to my wife and I never recieved any kind of notice about the bill. Also, after some research of my own, I discovered that Express Recovery Services violated the " Notifying the Debtor '' clause of the FDCPA ( Fair Debt Collection Policies Act ) by not giving us a 30-day notice that there was a debt to be paid, the amount of debt, and ways to resolve it. Express Recovery Services, is suing my wife for {$520.00} plus fees and myself for {$220.00} plus fees. I believe that they are asking for more than the original amount and why I am included is wrong because I did not receive any medical services from XXXX XXXX XXXX. My wife was fully covered by medical insurance at the time of the service and the bill was most likely paid, but XXXX XXXX XXXX  sent us to collections anyway. We believe they are wrong for taking us to court because we had no knowledge of the debt.
In XX/XX/2018, I contacted Merchants ADJ Service to dispute the medical bill on my credit report. The person I spoke to would not verify the debt in writing.I then contacted the original creditor, XXXX Hospital, and asked the billing department to verify the debt. They had no record of outstanding debt in connection to my name, birthday, or social security number. On XX/XX/2018 I filed a dispute, online, with XXXX. The investigation determined the debt to be valid. 

On XX/XX/2018 Merchant ADJ Service reported a second medical bill, from a different facility, to my credit report. On XX/XX/2018, I contacted the XXXX XXXX XXXX XXXX, and they had no outstanding bills in my name. I was then transferred to XXXX in the billing department of the XXXX Hospital. She had no record of outstanding bills connected to my name, birthday, or social security number. I called XXXX, explained the situation, and filed another dispute against these two accounts.
I sent a Validation letter to XXXX XXXX on XXXX XXXX, 2017, to Verify that this debt is my debit. I waited 30 days to see if they would send a response to my letter. I waited 30 days and they still have n't replied to my request. I have attached proof that they received the letter I sent to them certified. I have attached the proof that they received my letter as well as a copy of the letter that sent to them.
It just hit me yesterday, XXXX posted a late payment notice on all credit reporting agencies. Not true. I 've paid them autopay for 32 years. Had a problem with XXXX XXXX, XXXX, XXXX on or about XXXX XXXX, 2015. I paid estimate and then cancelled due to a problem. I never used them to move me from FL to AL. 
The movers finally settled and I have the legal document they signed XXXX/XXXX/15 ; I signed on XXXX/XXXX/15 and sent copies to all executives at XXXX in IL and their Dispute Center and no one every confirmed receipt. About one month later I have a printout that shows XXXX transactions for {$1400.00} and {$540.00} ( XX/XX/XXXX, XX/XX/XXXX ) were REPOSTED again by XXXX -- there are XXXX some kind of ID # XXXX that probably would identify who these people are that REPOSTED the XXXX items, but it 's obvious to me that XXXX XXXX who says he 's in the President 's Office has n't even attempted to look into what I told him when he lied to me that the Alabama Attorney 's General did not give him enough information in their letter. I received a copy of that letter the next day and all the information was in it that I gave them. XXXX XXXX takes information from previous messages back and forth I had with their Dispute and Corporate Inquiry Departments. Desa of XXXX Dispute told me to stop sending messages!!!!!!! 

I have XXXXXXXXXXXX who say they work for the US government on debt collections reviewing my case and am awaiting the results this week. 

When I thought all was okay again, I made some purchases, but when I saw those reposts I panicked but even with the purchases I made they still owe me a refund of approximately {$250.00} plus {$50.00} cash back. I think all the employees at XXXX was passing the buck. There was one gal XXXX who seemed like she wanted to help me -- said she 'd call the next day at XXXX XXXX and never did call!!!!!!!!!! She 's the one that alerted me to the fact the charges were not authorized by me. I call that fraud!!!!! 

I 've been in XXXX treatment in XXXX and XXXX for a year now and have endured the stress and anxiety of wanting to go home to XXXX and I ca n't go to buy a home because XXXX has done this cruel thing to me. 

I 've also been abandoned by my son and I live in a very desolate area on a lake, no neighbors, asked for help from every agency I know and got nothing. 
I will survive being a recent widow on top of everything else.
I am disputing a debt with XXXX XXXX. I sent them a debt validation letter on XXXX XXXX, 2015. They ignored my request for validation.
Transworld Systems Inc continues to call the above number, 1x to 2x a day after I communicated to them that there is no one at this number by XXXX XXXX ( spelling?? ). They continued to call daily for 2 weeks after I communicated this to them. I spoke with a XXXX XXXX at Transworld today XX/XX/2017 and again answered the same question that there is no one here by the name they are asking for and to stop calling this number. I work nights so the continued phone calls are most disturbing and a form of harrasment in my opinion.
A friend of mine agreed to wire to my Bank of America ( " BofA '' ) account a simple {$1000.00}. 
We expected the XXXX weekend to cause a timing inconvenience, but we never expected BofA to take absolute control over my accountissuing unauthorized and unapproved wire transfers out of my account setting upa series of chain reactions. 
It put me at peril because I was unable to meet my rent obligations not oncebut XXXX to my landlord in a XXXX-week 's period. 
First the money is there then it is not, then it is again, etc. 
I lost wages because I had to sit in XXXX ' hot afternoon sun protecting mybelongings from marauders. 
It caused untold amounts of XXXX not knowing what new and utterlyridiculous twists BofA would foster upon my account. 
Furthermore, BofA definitely put me at risk of losing my recently-acquiredjob and career. 
I finally contacted another friend who transferred money via XXXX money transfer service to my account. 
It worked perfectly. 
XXXXThis is what happened ; Instead of wiring {$1000.00} to my account, BofA sent {$1000.00} to my friend 's account. 
This put my account in the red and incurred fines and fees. 
BofA apologized and agreed to reverse the fees claiming it was a simple clerical errorUnfortunately, as wealthy as they are, I would have to wait days until theycould clear up the error, refund my money, and pay me the money owed. 
No way, no how, even though they admitted their error. 
In the meantime, I got evicted due to lack of funds. 
My property was out on the streets. 
And, I lost time at work. 
And, I got assaulted protecting my property. 
And BofA is very sorry. 
Next day, BofA is evidently still on holiday so nothing happens. 
I got a friend to help me out an get off the street. 
The next day, BofA finally credits my {$1000.00} but not only reverses it, they issue another wire against my account incurring more fees and fines. 
This is a nightmare. 
Evicted. again! 
Lost work, again! 
My account is negative and even if a friend sends money, BofA gets it first. 
Of course. 
So, I suffer some more all because BofA ca n't handle a simple wire transfer...