WillisBack/dataset-financial-user-claim huggingface dataset:
I have an {$800.00} payday loan from Spotloan c/o BlueChip Financial XXXX. XXXX XXXX XXXX, ND XXXX. They are taking {$160.00} directly from my checking account 2x per month XXXX. I have been trying to pay it off but have learned the company is no longer in business. They give another # to call when you call the and that company has no record of me or my account. They took out anther payment again today and it says debit from Spotloan. My issue is they are going to keep taking payments 2x per month until XXXX and there is no way for me to prevent it from happening.
I received a Notice of Collection dated XX/XX/XXXX from PennCredit Corporation regarding Creditor : XXXX XXXX XXXX  ( ID # XXXX ) in the amt. of {$240.00} for a " delinquent utility bill '' - Service date : XX/XX/XXXX Account : XXXX. This debt is not mine and this company has violated my FDCPA and FCRA rights : # 1 - I have not lived in MD, nor had an account with XXXX XXXX since I moved to another state over 11 yrs ago. 
# 2 - I have not owed property in MD since I sold my townhome almost 5 yrs  ago. 
# 3 - Finally, PennCredit 's website indicates they report to the Credit Agencies and is a member of XXXX, thus creating a potential long term impact on my credit score. 

I do not know if PennCredit Corp. " Skip Searched '' me themselves or if they outsourced to a Third Party with equally poor quality standards but this type of shoddy work should not be tolerated.
I have a derogatory remark on my credit report from a mail-order catalogue service by the name of XXXX XXXX, of which I have no knowledge of. Once noticed on my credit report a year ago, have disputed with all three credit reporting bureaus without resolution/removal from my credit report. Through multiple conversations with XX/XX/XXXX, it was uncovered this account was an UNSOLICITED INSTALLMENT ACCOUNT MAILED TO AN ADDRESS OF WHICH I DID NOT RESIDE in XX/XX/2013. The resident or persons who received catalogue purchased items, which were delivered in XX/XX/2013 for {$140.00} and made NO PAYMENTS ON THE ACCOUNT causing a charge-off to the account of {$310.00}. XXXX XXXX was not able to confirm shipping information/receipt as they no longer have access to those records but refuses to remove from my credit report. This is a fraudulent account that I did not solicit nor make purchases of merchandise and had never heard of XXXX XXXX until its appearance on my credit report and am having the most difficult time of resolving this ongoing dispute to my satisfaction.
On XXXX XXXX, XXXX Equifax admitted they had a breach more than a month prior to XXXX XXXX, XXXX. For 41 days my intellectual property ( IP ) were exposed to and was unaware of potential identity theft during that time. Equifax gathers personal private intellectual data also known as sensitive financial data on consumers payment history then sells that data to banks, insurance companies, potential employers, landlords, and government agencies in the form of consumer credit report. Better known as a credit report as a result of Equifax data breaches. The Fair Credit Reporting Act, 15 U.S.C subsection 1681 ( " FCRA '' ) is U.S. Federal Government legislation enacted to promate the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to protect consumers from the willful and/or negligent inclusion of inaccurate information in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. Together with the Fair Debt Collection Practices Act ( " FDCPA '' ), the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in 1970, and is enforced by the US Federal Trade Commission, the Consumer Financial Protection Bureau and private litigants.
It has been over a month since I filed a complaint against Bank of America with the Consumer Financial Protection Bureau ( CFPB ). Despite promises to the contrary, in the intervening weeks absolutely nothing has happened with my concerns, and sad to say, it does not look like anything will happen with my concerns without Bank of America being compelled to act. 

Within a day or two after I filed my XXXX XXXX CFPB complaint regarding Bank of America I received a telephone call from XXXX XXXX XXXX of Bank of America. I was told that she was calling on behalf of Bank of America 's president as a result of my complaint to the CFPB. 

We spoke on XXXX XXXX and at that time XXXX XXXX promised to finally correct my deceased Father 's mailing address, and to get a nearby branch manager to give me a call, so I would not be forced to repeat the frustrations of the past when I attempted to close my Father 's accounts at a local Bank of America branch. In addition, on XXXX XXXX I FAXed over to Bank of America a letter addressing concerns about unauthorized Bank of America deductions from XXXX of my Father 's account. XXXX XXXX had previously promised she would review these concerns. 

I have called XXXX XXXX a number of times since I sent the FAX over on XXXX XXXX, and I have yet to hear from her. Neither, all these weeks later, have I received the promised call from the Bank of America branch manager. 

Recently I received a letter from XXXX XXXX dated XXXX XXXX, 2015, which explains why she has failed to return my calls. In her XXXX XXXX letter XXXX XXXX incredibly absolves Bank of America from any part in my concerns not being resolved. Further, the letter disingenuously suggests I give her a call to " discuss this further. '' I have yet to see a sign that Bank of America is interested in more than simply stonewalling me, and frustrating my lawful efforts to close my Father 's accounts. I am hoping CFPB can compel Bank of America to take my concerns seriously, and resolve matters promptly.
Portfolio Recovery Associates are not only trying to collect a debt larger than I believe I owe but debt may be past statue of limitations and they're doing it in a harassing and illegal manner. They call my home phone and cell phone multiple times a day from different spoofed numbers from different states. They are breaking the fair debt collection practices daily.. I would like them to work with me on the debt I actually owe - the original debt was for no more than 750.00 while they're trying to collected over 1,400.00 with " fees '' and doing it in a hostile and illegal way.
XX/XX/XXXX Called XXXX about return, was told we would receive a return label.

XX/XX/XXXX Called XXXX about return, was told we should have received return label.

XX/XX/XXXX Followed up on return label, since we have n't heard anything back. Was told that it was passed the deadline to return. Informed representative that we had contacted XXXX in XX/XX/XXXX, and never received return labels. Was informed the case would be forwarded to supervisor. 

XX/XX/XXXX Received a callback from supervisor and informed that they would be sending return labels. Finally received return labels from XXXX  and sent the items back for a refund.

XX/XX/XXXX Called XXXX about return and said supervisor will give call back Never received a call back XX/XX/XXXX Called XXXX, again was informed a supervisor would call back. XX/XX/XXXX  Opened dispute with Chase because the items were never refunded. 

XX/XX/XXXX Sent in documentation as requested by Chase.

XX/XX/XXXX Sent in documentation as requested by Chase.

XX/XX/XXXX Send in documentation as requested by chase.

XX/XX/XXXX Called Chase and was informed that we would receive a callback from dispute department upon review of materials.

However, we received a letter stating the case was closed without any further review.
I HAVE DEBT ON MY CREDIT REPORT FROM WELLS FARGO STATING THAT I OWE THEM {$270.00}. THE PAYMENT STATUS IS CHARGE OFF.HOW CAN THEY CHARGE OFF SOMETHING I NEVER KNEW I HAD WITH THEM. I HAVE HAD AN CHECKING ACCOUNT WITH THEM AROUND THE SAME TIME. IM UNSURE OF WHAT TO DO AT THIS TIME.
Repeatedly called and hung up. Left no message despite the fact that their website states : " Our PCE ( Positive Consumer Experience ) program specifically focuses on being compliant in today 's recovery environment. '' They 're not compliant when they do n't state that they are a debt collection company and that they are calling about a debt or what the debt is for.
I, XXXX XXXX, am not agree with Pennymac denial decision about my loan modification request. I purchased my home in XX/XX/XXXX and have interest rare of 5.75 %. I am XXXX due to my accident that happened 3 years ago and I went through some XXXX. I was receiving XXXX benefit. With XXXX income I was not able to pay my payment and all other expenses, as a result, I discontinued my XXXX benefit and got a job. I am working 8 hours a day and babysitting evening and weekend to be able to pay my dues. I have a XXXX-years old daughter that needs lots care and attention because my husband left us on XX/XX/XXXX, after we spend all of our saving to pay our housing expenses, due to his business failure on XX/XX/XXXX and gone through XXXX due to economy weakness. I am not able to pay the high interest rate mortgage because with the amount of time I spend to just keep up with my mortgage I am losing my attention to take care of my kid as well as my physical health. Pennymac offered me to sell my home because there is some equity on it. This is not good option for me because renting a home in my area is much higher than my mortgage. I bought my home to keep it and have a stable home for my kid. I am trying to keep a roof over my daughter 's head. I need help to be able to modify my loan. If Pennymac modify my loan I can be worries free and work less to be able to spend sometimes to take care of my daughter health and education. I need Pennymac help to work with me and reduce my rate. I got help form family and friend for past but they stopped their support. I am a single mother with no any other source of back up or saving and would like to keep my home which is my daughter and I future investment. I am asking Pennymac to help me out on my loan modification request.
On or about XX/XX/XXXX. 2018 we received a letter from SunTrust Mortgage stating our account was past due.

We found this to be strange as we have automatic payments and the money was taken from our account.

My spouse called SunTrust the same day and the representative said that we are not in arrears and the mistake was theirs. My wife asked for a letter to that effect and was told their was no need for a letter and not to worry. 
On XX/XX/2018 we received another letter about the delinquency of our mortgage and that it is a serious matter. I called SunTrust on XX/XX/2018 and was told that the letter was automatically generated do to the glitch in their system and to ignore it. i stated that i could not ignore the problem and would like a letter stating that we were not at fault, in case the problem arose in the future. I was told to call their customer service at XXXX. 
i called that number and was told that they were a different company not affiliated with SunTrust. 
We are beginning to suspect this a scam and would like help in obtaining written acknowledgment from Suntrust.
XXXX XXXX w/ Collectrix garnished {$2500.00} from my wages and put a lien on my property for a debt I did not owe. It was the result of ID Theft. 

In addition he has threatened to sue me again, attempted to increase the amount of the original garnishment / judgment and now refuses to return the money after a Notice Of Entry Of Judgment has confirmed I was not the responsible for this debt. 

The courts also found he was not authorized to proceed as the assignee of the claim. Yet he garnished {$2500.00} and still has a lien on my property.
Experian is not responding to my requests to investigate and remove accounts that do not belong to me from my credit report.
Copper state financial filed lawsuits against me for debts and amounts I have never owed to them. I have been going back and forth with them  since 2011. The information has been removed from my credit report because they are unable to show proof of my debt. They did however get a default judgement since I was unaware of a court date. The debt is false they just keep sending a paper with my signature that I signed after a debt collector told me if I did n't sign it I would be placed under arrest for theft. This paper was signed a year after the company claimed I owed them money, no original paper work has ever been provided with my name or signature. I was truly afraid I was going to jail and had 4-5 calls a day threatening m e.
On XX/XX/XXXX 2019..I called Navient to get my account up to date. My past due amount was Due XXXX 2019. I explained to XXXX XXXX that I would pay the XXXX past due amount in three payments. I made a {$100.00} dollar payment with her over the phone and received an email confirmation. I called in on XX/XX/XXXX make the next {$100.00} dollars. I was told they didnt have any record of my payment. They researched and found out that XXXX XXXX made the payment through the wrong system. My money went to another whole company and they didnt have any control over it. I spoke with XXXX XXXX ( supervisor ) and he said that it would take them a month to return my money to me. I explained to him that I didnt have an extra {$100.00} dollars to give and I wouldnt receive in time to put back to account so I wouldnt receive a late fee for XXXX he wasnt willing to help at all
Credit report not made available online, after completely filling in information online site. Site says my report not available and takes me to mail application ( which requires time and money for stamp, envelope, and mailing - NOT FREE. Must mail an application and wait 15 days - I need report now to monitor credit, not weeks later!!! No explanation why online report not made available. 
Secondly, security id questions are vague and difficult to answer. For example : 1 ) Street you have lived on in past : Offers street name for residential property I own, but not necessarily where I have lived. 2 ) Asks for mortgage closed lender from over 3years ago : I have more than one and its been over three years ago. Must I find my records to answer? 3 ) Asked for closing lender on a vehicle from 2008 over 8 years ago. These are questions I could answer IF I had my credit report, a chicken and egg process going on here!! 
Disappointed-formerly this was a couple of minutes process to get credit report and view online.
XXXX XXXX keeps reporting incorrect information about late payments to my credit report. They have a different date for the 30 days late each time I dispute. I provide proof of the on time payments, it gets removed and then a month or so later they are back again reporting incorrect dates. Now they are reporting 2 late payments instead of one. This should be illegal. Its really unethical that the credit bureau companies keep reporting this information even after I show proof the payments were on time. How can someone constantly report false information?
I have filed Bankruptcy for more than 10 years now, and it still shows that I still have a bankruptcy on my record. That's the reason I can't get a higher score until now. I've been paying all my credit cards and still shows a low score. I don't even get a credit card on some department stores until now. 

Sincerely yours, XXXX XXXX XXXX
I have 8 student loans on my credit that have a late payment on them. The late payment according in XX/XX/2014. I was not notified of the bill until I tried to enroll in school for summer school. The bills where sent to my old school address along with the notification to my old school email. Either of which I had access too. I have called and disputed with both XXXX along with Navient with nothing coming from either. I have called Department of Education and they informed me that they will contact Navient to have the 90 removed from my credit since Im in good standings and have keep up with my loans since. Nothing is happening and it is making my credit look horrible because of the late payments. If it was one late payment Fine but its is 8 and I cant buy a house or a card without very high apr because of this.
A man named XXXX from a company called XXXX has called me to report a delinquent account on behalf of Cash Net USA as an attempt to collect an alleged debt. I 've never applied for a payday loan, so I called Cash Net USA and they have no record of me or an account in my name. I attempted to call XXXX back and continued to get voicemail. He later called me back from a different number in a different city than the previous call. I 'm sending a DN to the company. I highly suspect this is a fraudulent company. The original number he called from was XXXX and then XXXX.
The reason for this complaint pertains to Predatory Lending. XXXX has been be fraudulently misleading students. According to the CFPB it is believed that XXXX used high-pressure tactics to push many consumers into expensive loans destined to default. During the course of XX/XX/XXXX through XX/XX/XXXX I was encouraged to take out loans and continue my education from an XXXX degree to a XXXX. The Department of Education a student can receive loan discharge for this but this only applies to recent students and those who recently completed their studies within XXXX. This is an unfair process in that many prior students have a considerable about of debt because of this. Moreover, is that since the XXXX name has become tarnished it reduces the likelihood of receiving a new position. Employers may deem students not being well educated. Recent students at least get the opportunity to repair their statuses. While previous one have little or no chance. I believe if a discharge can not be granted for all students affiliated, then all students should receive a partial discharge of loans. We are victims too.
I am writing about the company called Zwicker & Associates, a debt collector located in XXXX, MA. I live in MA also and when my daughter was at XXXX XXXX I took out a MEFA loan for {$3000.00}. I fell behind because of a XXXX and was unable to keep up the payments. The loan was given to Zwicker and I have been paying {$100.00} a month to them for a couple of years. I asked them for a statement and received something that did not clearly tell me how long I will be paying this bill. I am helping my daughter by paying this bill, because I signed for the MEFA loan and she already pays about XXXX a month for her loans. I arranged with Zwicker & Assoc. to have automatic withdrawal at or near the XXXX of each month. 
I understand that I agreed to pay my MEFA loan of {$3000.00}. As I have been paying on this debt for two years at least, I should have paid {$2400.00} by now. I would like to have a written statement telling me if there are added costs that disallow me from having this debt paid in full in the next six months. Thank you for your help with this matter.
My spouse and I are a victim of UNFAIR credit reporting practices. Credit report agency was NOT able to throughly review the documented proof, did not review, did not properly investigate and did not provide valid poof on my request. All my documents attached show very clear proof that this was UNFAIR practice on my family but they have not provided even a single document supporting & justifying the collection account.
As I should have known by now, bank of America is not answering my calls and not responding to messages! I was told just a few days ago by a b of a representative whose name was represented as XXXX XXXX that equator file had been opened on XXXX XXXX, I called my realtor and was told that it had not been opened and as of today we are still unable to download the information the bank requested! This complaint is in addition to the XXXX other complaints filed in the last few months! Listed are complaint numbers XXXX and # XXXX and # XXXX. Among the people that were said to have been working on my behalf that I have never had any contact with in spite of numerous efforts are XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX I did however speak with a guy named XXXX whom I felt would be helpful. These are in addition to numerous other people that did nothing to solving the problems! Please bear in mind that I called b of a in an effort to resolve the issue, and have presented all the information they requested!
XXXX and Lexis Nexis is illegally and intentionally reporting a bankruptcy XXXX on my credit report. On XXXX XXXX I was advised by a XXXX  representative that they validated and verified my account via Lexis Nexis on XXXX XXXX XXXX. I called XXXX XXXX on XXXX XXXX, XXXX to confirm how this was because I put a complete freeze on my consumer report in XX/XX/XXXXdue to fraudelent activities. I was told by a XXXX, ( XXXX ) that i indeed have a freeze and no one including XXXX has access to my report but THEY ( Lexis Nexis ) contacted XXXX on XXXX XXXX to verify and validate the dispute I had with them regarding the inaccurate reporting of the bankruptcy reporting on my consumer report with Lexis Nexis. I was and still in total disbelief that both companies are disregarding the FCRA law as it pertains to how a consumers information is to be validated and verified and reported which is only through the original furnisher which in this case would have been the Bankruptcy Court which they ca n't validate. This bankruptcy that XXXX and Lexis Nexis are illegally and inaccurately reporting on my report has not been validated within the 30 days and must be validated thru the original furnisher and was not. I plan to sue both Lexis Nexis and XXXX for their unethical business practices if not removed immediately as required by law. Please assist in giving them guidance and instruction on this matter. It 's blatant Lexis Nexis has broken the law and provided someone with my information with out authorization after my report was frozen and it 's blatant that XXXX did n't verify the dispute in accordance with the law because they ca n't but they continue to report rather than delete as required. They claim they both contacted each other to verify so how did it get verified if either party verified. I do n't have a bankrupty reporting on any other credit bureau but XXXX.
I spoke with Kohls Charge personal on the phone in 2016 and agin in on my last phone interview with Kohls Credit.

I was told that the late payment in XX/XX/2016 would be removed if I filed an dispute.

I was told both the call were recorded.

Please, have the fraud department audit the calls and remove the late pay.

I also tried to pay the amount due the week of the charge and was told I could not pay until it posted.

The above was at the XXXX  Customer Service Department on the week of the Charge. I called the # on the Card.
I received a notification of a possible offset last year around XXXX from the United States Department of Education. I immediately contacted Immediate Credit Recovery to setup the payment plan. I called the United States Department of Education again to confirm there would NOT be an offset on my taxes. The representative indeed confirmed since there was a payment plan setup that I would be just fine and there would not be an offset. I made my first payment of {$25.00} on XX/XX/XXXX via checking account and it has been coming out consistently and on time every 2 weeks. I happen to call the Treasury Offset line on XX/XX/XXXX to see if anyone requested my refund and guess what! The United States Department of Education requested my refund. I called them and waited over 2 hours and spoke with XXXX. He agreed that Immediate Credit Recovery indeed messed up with the payment plan by starting, stopping and restarting again. A while back they also submitted a wage garnishment for me when I NEVER received the notification because they had the incorrect address. 

I called Immediate Credit Recovery today and spoke with XXXX XXXX who agreed they made a mistake, but she did not seem knowledgeable enough to assist with my issue. I requested a manager by the name of XXXX XXXX ( garnishment manager ) and she assured me she would send " up '' a complaint to the compliance division and then they would forward it to the Department of Education. She stated there is no exact time frame they could give. I am frustrated!