WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX our auto loan from XXXX was sold to Greentree. The original loan agreement included insurance for loss of income and we were paying additional fees to have this coverage. Upon the loss of income this past XX/XX/XXXX we contacted Greentree and they informed us that we did n't have coverage. After review of the contract agreement from Greentree they indicated that the insurance was in fact still in effect because it was included with the monthly payment and they informed us to contact XXXX of XXXX carriers for our insurance claim. XXXX XXXX XXXX and XXXX XXXX company. Upon contacting each insurance company, they indicated we were not covered as of XX/XX/XXXX because premiums were not paid. As we have tried to continue with the payment despite the loss of income to Greentree we continue to pay the premium for insurance of which we do not have.
XXXX XXXX XXXX XXXX is attempting to collect a debt it does not ( or should not ) own. I received two parking citations from the D.C. government in XX/XX/2017. Within the requisite time period, I filed a written request for adjudication with the D.C. Government and I received acknowledgment of my challenges to the citations. ( See attached emails from XXXX  XXXX ). The D.C. government informed me that enforcement activity would be suspended and an examiner would  review my challenges. I never received any further communication from the D.C. Government regarding my adjudication request, nor any notice that my tickets were referred for collection ( which is required by DC DMV policy ). 

On or about XX/XX/XXXX, I received initial collection letters from XXXX XXXX XXXX for the two citations ( see attached ). Those letters stated that I could dispute the validity of the debt within 30 days, and I did so in a letter dated XX/XX/XXXX ( see attached ). The letter further stated that upon receive of a dispute, XXXX XXXX XXXX  would verify the debt and provide me a copy of the verification. I did not receive a response to my letter or any verification of the debt. Instead, I received a second collection letter that made no reference to my prior letter. As I explained in my XX/XX/XXXX letter, my tickets were never adjudicated by the D.C. government and therefore the debt is not valid. Collection efforts should be suspended until XXXX XXXX XXXX provides me verification of the debt ( which I believe does not exist because D.C. never resolved my challenges ).
Dear Sir/Madam : I would like to request you to do an investigation against the XXXX   XXXX, XXXX. XXXX XXXX XXXX, TX, XXXX, XXXX, which has constantly reported my credit score inaccurately, and not paid any due attention to my requests. I had to lose my credit due to its improper and inaccurate reporting of my credit score to XXXX XXXX on XXXX. For example, when I applied for a personal loan to the XXXX XXXX, my loan was denied citing the low credit score XXXX reported by the XXXX Company, when my actual score was XXXX as reported by XXXX XXXX ( see the enclosed credit report of the XXXX XXXX ). Likewise, it reported the even lower score for the XXXX, XXXX XXXX, and others. The company has also failed to correct the inappropriate reporting when I filed a series of disputes against Discover Card Company and XXXX XXXX, which have denied my requests for the disputes. For example, when I disputed with Discover Card Company for the reported amount in XXXX XXXX XX/XX/XXXX XXXX, they denied my dispute. However, the same company later acknowledged in XXXX ( XX/XX/XXXX XXXX that there were some undue fees charged to my account ( see the enclosed from Discover Card Company ). 

Thank you, Sincelry, XXXX XXXX XXXX
PLEASE REMOVE XXXX XXXX AS AUTH USER : SS @ XXXX ACCT XXXX.
Dear Sir or Madam My Mom passed XX/XX/XXXX. I was a co signer on a loan for Her. The Estate properly notified for all debtors to collect through the probate court as required by Law. Not once did I receive a notice that the account was delinquent or in jeopardy of prosecution as a co-signer. I received paperwork the month of XX/XX/XXXX two years later which was XX/XX/XXXX.The Estate was long disbursed. I responded to the letter personally thinking that the Holidays would not count in a 21 day response time. XXXX XXXX filed a default judgement and emptied my bank accounts and my childrens bank account to the Tune of {$10000.00}. They have placed a Judgement on credit report for over {$50000.00}. My Moms balance on the loan was roughly {$18000.00}. These are userous interest and fee charges. These are not upstanding business practices.
Without notice or explanation, Citi changed my account credentials and refuses to permit me to login to its website. Multiple requests for access have been ignored. I speculate that access was restricted in order to prevent me from paying the account online. Citi 's website purports to reestablish access only if I enter the full account number. This number is unknown as I previously reported by card lost or stolen and requested a new card. A request that Citi has also ignored.
I have a collection item on my credit report that is not mine. I have disputed this item several times with the collection agency as well as with Trans union but this issue does not seem to be getting resolved., which has been impacting my credit report significantly. The company XXXX XXXX XXXX has put this mark on my report but the item wasnt validated. I have contacted them via phone, email and letters and they will still not remove this from my report.
Nothing really happing I 'm a really good hard working lady..I give my all to how things come at me.
I have tried to dispute this item with company informing them this isnt my account and they havent tried to work with me at all wont even talk to be but reporting it on my account
On XX/XX/XXXX of this year, I contacted Equifax concerning the illegal tactics that XXXX XXXX was using to attempt to collect money I have no knowledge I owe. The account number of the XXXX XXXX isXXXX. I requested that XXXX XXXX send me the detail of this debt instead of harassing me on the telephone that I owe a {$90.00} medical cost in XX/XX/XXXX. I am yet to receive this detail information. 

Based on my letter to XXXX explaining this issue, I received a letter on XX/XX/XXXX that XXXX XXXX is no longer not reporting on XXXX credit file. Then on XX/XX/XXXX, another letter was sent stating that on this same account from XXXX XXXX that it has reversed itself. 

XXXX XXXX can not use the credit as a means to punish consumer. It must follow the law by sending requested information. And XXXX must maintain it's integrity to consumer. It can not play on our financial lives.
I received a notice on dated X/XX/17 stating that my wages were going to be garnished due to a defaulted student loan totaling XXXX. This was an order from Windham Professionals , Inc . I called them on X/X/17 and spoke to a very rude gentleman in an attempt to make an agreement for monthly payments. I had no idea who held my loan previous to this encounter as I had searched and called only to be given false information. As I explained this to the gentleman, his response was " TOO BAD and TOO LATE '' and he hung up on me.
Wells Fargo claims I owe an amount of {$7900.00} when in fact they sold the vehicle for much more and have already been paid for this vehicle. I would like to be provided validation or contract from this company. They have sold this debt to another company who are now getting paid as well. I would like this account moved permanently from my credit reports.
XX/XX/XXXX XXXX XXXX XXXX pulled my credit report for a loans/and OR, Credit cards for someone using my Identity to apply for a Loans or Credit. On XX/XX/XXXX I filed an Identity Theft report, and Police Report with my local police department XXXX XXXX XXXX police department, because I got alert that someone had opened, different credit lines in my name without me knowing.

Someone was using my Identity to apply for loans and, lines of credit online. There were over seven accounts opened, and over 18 hard inquires. I reported everything right away to all three credits companys, XXXX, XXXX, XXXX,. A alert was supposed to be put on my credit reports for 90 days.

From XX/XX/XXXX to XX/XX/XXXX. However, whoever is using my social security number has been still trying to get credit in my name. I spoke to ( XXXX XXXX XXXX ) and they could not release information because some of the information did not match what I what information I had.

However, they still put a Hard Inquiry on my XXXX, and XXXX  credit reports. on XX/XX/XXXX a total of three times in a matter of a three-month span time.

As of today, I have contacted Social Security Administration, and have a appt to get a new social security card this does not keep happening. This is affecting my credit and, I take my credit serious. I am shocked, and still shocked as, to how this is has happened, and it has taken me almost months so far to try and, clean up my credit report.
I noticed that this company has posted this item on my credit report even though I am paying a small amount every month. The company is also holding my XXXX Credit Allocation Check which is at least enough or almost enough to pay this debt in full.
I cancelled my account with bank of america several months ago in order to avoid annual fee on inactive account. I was just notified by my credit monitoring that the account is delinquent for {$78.00}. I have made no charges since closing account and credit report still shows open which suggests they may not have honored my request to cancel account in order to collect their annual fee. I received no statements indicating any amount due.
I found out in XXXX that Navient was no longer servicing my FAFSA and I was wondering why. I called them and they told me my loan was in default, and they were not handling it. I had gone back to school in XXXX to get an XXXX XXXX XXXX and I am 5 classes short of completing my degree and they cancelled my loan. My loan was supposed to be in deferment while i was enrolled. 

I tried to get a Perkins loan and I filled out the promissory note on my phone and when I tried to submit it, my phone crashed. It got wiped. I was locked out of the phone until it auto-formatted itself. 

I received a follow-up letter from lending ccompany asking me to finish form at inoperable weblink. I took the letter to XXXX U to the Burser 's and the office cleared my loan. They photocopied the letter i received instructing me to visit a broken website. The lender is also a collection service. When you visit the site you cant even see your promissory note. SHADY! 

I 'm angry that Navient serviced me a gimpy loan. I need an EDUCATION loan. You ca n't quit in the third quarter! 
I got a NASA Space grant in XXXX! Why on earth would they not want me working at a high-paying technical job I earned with MY BRAINS? 

I have a print of my Navient loan. Ill get you account info.
security systems legally had to remove from my credit and they did, then they illegally put it back on my credit. its not mines then XXXX XXXX reported me and its not mines. they don't respond to me. these accounts are not mines XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$2000.00} Closed XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed inquiries not mines XXXX Inquiry : XXXX. XXXX, XXXX + Telephone Companies XXXX Inquiry : XXXX. XXXX, XXXX + General Clothing Stores XXXX XXXX Inquiry :XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry :  XX/XX/XXXX+ Personal Loans Cos. 
XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + National Credit Card Cos. 
( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + All Banks Contact the inquirer : MAIL ONLY XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous Utilities Contact the inquirer : MAIL ONLY XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous Utilities Contact the inquirer : MAIL ONLY XXXX XXXX  Inquiry : XXXX XXXX, XXXX + National Credit Card Cos. 
Contact the inquirer : MAIL ONLY XXXX XXXX XXXX XXXX XXXX   Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Finance ( XXXX ) XXXX ALLY FINANCIAL Inquiry : XXXX XXXX, XXXX + Finance ( XXXX ) XXXX XXXX XXXX   XXXX Inquiry : XXXX XXXX, XXXX + Finance ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry : XXXX XXXX, XXXX + Finance ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Bank XXXX XXXX XXXX XXXX
On XX/XX/XXXX I submitted to the CFPB a complaint to regards a missing check disbursed by Dovenmuehle. the compliant number was XXXX The company responded on XX/XX/XXXX and the response is attached to this complaint. However an important attachment cited in the response is not included and thus I deem the response incomplete. I need to see the copy of the check XXXX front and back ). Dovenmuehle should also disclose where this check was deposited as I have never received nor cashed a check from Dovenmuehle and believe the burden of proof is on their side. 

Additionally our new servicer XXXX XXXX loans have informed us no such analysis was included in the documents they received. 

I wish to have a copy of the escrow analysis they said they completed and a reason for why they believed there was an overage in the account given at this point no property taxes had been paid out and thus any disbursement would leave the account short. this shortfall has created ramifications in the mortgage payments and was never authorized by me.
The response I received states that US Bank does n't have my loan. However, I received a letter in the mail, which indicates that US Bank will not provide a response, because the address on record is incorrect. This is extremely frustrating, as I clearly provided everything US Bank needed to respond to my complaint within my prior inquiry and received a push off. Again, I have detailed my concerns below and EXPECT TO RECEIVE A RESPONSE. I have NOW updated my address, therefore, US BANK is required to provide me a response. They hold the loan to my vehicle! I am also considering forwarding this matter to the appropriate regulatory bodies for escalation. 

I have attempted to obtain an understanding of the delinquent balance I owe, concerning my vehicle loan with US Bank, however, have had difficulty obtaining a clear distinction. I emailed US Bank requesting a complete payment history effective with the date I obtain the vehicle loan, as well as, an explanation as to how my payments have applied. The response I received was partially helpful, as the representative attempted to explain to me, when my grace period was, and the amount of the late charge I would receive if the payment is not remitted by the date due. I however did not receive a copy of my payment history to assess the application of my funds. When I responded, advising that the email did not convey any information I did n't already know, I requested supporting documentation to validate that fee 's are applied prior to the application of my payments towards ( P & I ). Again, I received a reply which did not provide me a copy of my payment history, rather I was advised I would be charged a {$25.00} fee to obtain a complete copy of my payment history. This is absurd to charge a consumer {$25.00} for a copy of there payment history when I am making an effort to understand the balance I owe, and resolve my delinquency. 

I have now went online, and was able to search the transaction history on my loan ( attached ) which revealed the application of my payments. Its absurd how the email response representatives, as referenced above, could nor provide me direction on how to obtain the transaction history online, rather reverted with illogical responses and went straight to charging me a fee to provide a copy of my payment history! 

I have been charged {$480.00} in late charges! Of this amount, I have paid ( estimated ) {$240.00} towards that balance! Based off my online account, my current past due balance is {$670.00}, which I believe consist of {$440.00} for the XX/XX/XXXX, 2017 monthly installment and remaining balance of {$230.00} late charges.
We have been arguing with Bank of America over the balance due on our Mortgage for over Three ( 3 ) Years. They refuse to correct the errors and continue to assess unlawful charges and fees. Furthermore, we have a fixed rate and they send us a different amount to pay regularly.
I am emailing you so you can please have the company take this off my credit report it is still reporting on the XXXX  file, I just had this deleted from the XXXX report XXXX-18 and they found out it was open fraudulently the company is XXXX address mid wst recoverXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX mo XXXX tel # XXXX, this is showing up for amount XXXX which is not my debt, please have them remove as soon as possible, I have call and nothing have been done. I thank you in advanced to get this taken care of.
We had an approval letter for this file but the buyer walked away. I sent a new contract on XX/XX/XXXX but I am getting no response. We would like to transfer this so we can get this closed asap.
For XXXX I have already paid this medical bill through another collection agency, when this agency first contacted me I told them it was paid, they proceed to say yes this was sent by mistake. I never heard from them until they had called my in-laws whom I NEVER listed as a contact! They are now claiming I yet again have to pay this bill from 2012!!!
In XXXX, 2015 I entered a written dispute with ARS ACCOUNT RESOLUTION SERVICES reference account numbers XXXX and XXXX as contained on my consumer credit profile at XXXX, XXXX and XXXX XXXX. Specifically alleged, ARS ACCOUNT RESOLUTION SERVICES was attempting to collect a debt for which I had no knowledge and alleged was potentially opened by an unknown third party. Moreover, said accounts were appearing XXXX on my consumer credit profile notwithstanding the allegation of a single debt owed. 

ARS ACCOUNT RESOLUTION SERVICES failed to investigate, verify, or validate said debt. Although I also filed a cease and desist demand with ARS ACCOUNT RESOLUTION SERVICES an absolute requirement of the Fair Credit Reporting Act is to report said debt as disputed pending resolution of an investigation. ARS ACCOUNT RESOLUTION SERVICES failed to report said debt as disputed and failed to conduct an investigation into my allegations of potential fraud. As such, my credit worthiness has been negatively impacted by the erroneous reporting of these accounts. 

A review of records compiled by the state XXXX XXXX XXXX XXXX in Florida indicates that ARS ACCOUNT RESOLUTION SERVICES is not currently licensed to conduct business pursuant to section XXXX, Florida statute. As such, the imposition of this debt and the erroneous reporting to XXXX, XXXX and XXXX XXXX is an unfair and deceptive trade practice. 

Several phone calls to ARS ACCOUNT RESOLUTION SERVICES have met upon deaf ears. When I called to inquire on the status of the disputed account, I was advised that Florida licensing was not required. I was further advised that the debt remained due notwithstanding a lack of validation and claim of potential fraud. At this point the call was terminated. My written dispute remains outstanding. Said accounts remain on my XXXX, XXXX and XXXX XXXX notwithstanding the existence of a dispute, lack of validation, and my allegations of potential fraud.
EXPERIAN fails to remove the XXXX XXXX XXXX account information. EXPERIAN reports incorrectly the account is past due .EXPERIAN reports incorrectly the account status is Unknown. EXPERIAN reports incorrectly that the account is {$18000.00} past due. EXPERIAN continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
In XXXX 2017 Autovest, LLC delivered an affidavit for garnishment to a training center that I work out of. I 'm an XXXX XXXX XXXX on XXXX full commissions contract with the company, so I travel a lot. When the forms were delivered by the Sheriff, I was out of town and the Office Manager signed for the documents, which validated the debt, by law she had to send it to the corporate office. While I was away I noticed that my commissions were short. When calling the home office to find out I discovered that this company was garnishing my checks. I was livid because, I never heard of this company before. And surprisingly, this company IS NOT even on my credit report. I contacted XXXX XXXX XXXX, the attorney 's that processed the order on behalf of Autovest, and they refused to give me any information. I then XXXX  Autovest, LLC and they refused to give me information and directed me back to the law firm. Getting frustrated. I contacted my attorney through XXXX XXXX to seek guidance. They instructed me to go to the court and get original debt documents. Well, the county that issued the court order did not have the original documents, it was sent to them as a foreign judgement from XXXX County, IN. So the XXXX XXXX  representative referred me to an law firm in XXXX county, they told me that because the debt was so old, it was out of jurisdiction for dispute and the only thing I can do is file bankruptcy. Well, filing bankruptcy, would bed pointless, because this debt is not on my credit report! So still I had no idea who the original creditor was, and was finally directed to the XXXX County Records company. There, I was able to get a copy of the original application, which was purchased from some car company called XXXX XXXX, with my name, d.o.b., etc. But I 've NEVER owned a XXXX and never lived at the address that 's on the application. The signature is definitely forged, and it does not have a Picture ID attached to the application. This has been so frustrating, because I 'm still being garnished out of my commissions for a debt that DEFINITELY DOES NOT belong to me. I 'm not yelling at you guys. I 'm just in need of serious help. I 'm exhausting all my options here. And its just not fair.
I lost a job in XXXX 2017. I notified the Ditech LLC mortgage company that i was seeking HUD counseling and that i started a new job but with much lower pay. With a counselor on the line the mortgage company agreed to do a payment plan each month until i was current. A month later i attempted to make a payment over the phone and i was told i was misinformed and that i could not make a payment below 50 % of what was owed as my loan is an FHA loan. This caused me to become further behind as i could not make a payment each month that was satisfactory. The company is now trying to foreclose my home.
In XX/XX/2017, I had cancelled the service with XXXX and tried to port three numbers to the new cell phone company. Two of the three numbers were able to port, but my major cell phone number XXXX was unable port. I believed the XXXX played the dirty game. 

Finally I had to get a new cell phone number instead. 

After three months, the XXXX send me the bill for {$75.00}. I denied and disputed for that bill.

One of the phone number, my wife opened for her XXXX. But never been used for so long, because of her XXXX  was no longer in working condition. 

I called the XXXX asking for the proof of data using. No one ever response, but the XXXX send it to the collection agency. 

This is the latest collection company : IC System XXXX Reference #  XXXX Account # XXXX Balance due : {$100.00}