WillisBack/dataset-financial-user-claim huggingface dataset:
World Omni Financial Corp submitted Form XXXX Cancellation of Debt to IRS on XX/XX/2014 but has not cleared the public records of collection, resulting a damage of my credit score since 2014 to now.
I have sent four letters to Experian credit dispute department started on XXXX XXXX thought out the months leading up to XXXX XXXX asking them to verified four accounts each time experian mail me my dispute results always say we verified that this belong to you. Attach to this complaint is all the letters with certified receipts. Experian have not provided any copy of documents there use to verify these accounts. I therefore are unable to accept there response that such alleged was accuracy was verified. Furthermore there marking a account as verified while refusing to provide the evidence of documents of verification per my request to me the consumer, where I have the right to such information under the consumer rights to access information ( ( 12 U.S. Code 5533 ) seems to be false representations and inclusion of inaccurate information this violating federal laws. Experian is unwilling to verify any of these accounts, then under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE the information. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. Each letter I sent had a copy of my SS # and driving license inclosed
On XX/XX/2018, I sent a letter to Transunion disputing various items on my credit report. The letter was recieved by Transunion on XX/XX/2018. I have not recieved the results of any investigation to date. Transunion has failed to comply with the FCRA by initiating an investigation and reporting the results to me within 30 days upon receipt of the dispute.
Due to Equifax 's mishandling of my credit information, I placed a freeze on my Equifax credit report. At that time I was provided a pin to manage my credit report. THE PIN DOESNT WORK and I am faced with the prospect of wasting more of my time and energy correcting a problem initially created by Equifax.
This was originally a XXXX Loan. Deutche started a foreclosure action and at some point XXXX tried to foreclose and was represented by XXXX XXXX Firm and now foreclosure is being aggressively pursued by Deutche Bank. There were notorious robo-signers ( XXXX XXXX ) and bank never had standing due to filing foreclosure action before they claimed to have owned the note.
On XX/XX/2018 my bank Account at Bank of America was closed due to bank policies regarding international clients I was told. At the time I had XXXX $ Dollars balance. I did not get my funds via check through the mail as they said I would. I went to the branch near my home and did not receive any info or help, they said I should check the mail. Its been more than 2 months and I have not recieved my funds yet.
Trident Asset Management is reporting on my credit report a collection account in the amount of {$2000.00}. When I asked them what this was about they said it was a XXXX land line open in XXXX at an address I was not living at. I have lived at my current address since XXXX. I also have the same open active wireless account with XXXX for many many years. It has always been in good standing. This collection is not mine and I want it removed. I have explained this to them many times.
I received my citicard statement and noticed that the previous month 's balance had not been paid. I checked my checking account statement and saw that a payment had not been made for the previous month. I called citicard that I did not recall receiving the credit card statement. I told them that I would pay the entire balance but would like the {$25.00} late charge refunded. I was told that the computer said that I was not eligible for a refund. When I asked why, they would not tell me. Only that the system said I was not eligible. I had never been late before. I had always paid my balance in full, which may have been the problem in that they did n't make enough money on me. However, I feel that I was owed an explanation as to why my request for the refund was denied. I understand that a company will generally refund a late fee one time. Since they refused to tell me why my request was denied, I have no way of knowing the basis for the discrimination in my case. I have since paid the card balance in full and my card has been cancelled.
Stated clearly that only current dated verification materials would be accepted, as a pending FCC complaint is ongoing. Debt collector has misrepresented themselves as being in real-time contact with the original creditor. Presented nearly two year-old material as " verification, '' in direct contrast to the request made. Debt collector has also failed to provide itemized debt verification, and has artificially inflated the amount of debt for their own gain.
I received a letter from a company called Key 2 Recovery , Inc. in regards to a debt that I owe. The amount this so called company says I owe is {$5500.00} because of an unpaid student loan with XXXX College. 
Now I called this collection agency about this so called amount and they said its for a student loan. Yes I did go to XXXX College, but the money I took out was through FAFSA which deals with the DEPARTMENT OF EDUCATION. 
So all the student loans that I owe will be repaid through and to the Department of Education and not through a collection agency. This agency made a mistake by saying that I owe them money that I took out from FAFSA ( which goes through Department of Education ) for my college courses at XXXX College.
To Whomever This May Concern : My name is XXXX XXXX XXXX and I have 3 collection accounts on my report that do not belong to me. Also one of the companies are reporting twice on my report, which is, XXXX XXXX XXXX with 2 different amounts, and XXXX XXXX. These items do not belong to me at all. I am attaching my police report and my DL attached to this complaint. The 3 items listed are : XXXX XXXX  XXXX, XXXX XXXX XXXX, and XXXX XXXX. These items need to be removed off of my report immediately or I will be filing multiple complaints with the Attorney Generals office and the FTC. Thank you in advance.
Dear XXXX, I writing concerning this matter with this company I have explained the conditions of this account and made them aware of the detail concerning XXXX House Apartment a notice was given to the company in advance my rent was paid up in fuelled for the month that I live at XXXX House. I moved because the apartment was no long safe for me to live there. This company attempt to collect a debt that is not own to them.
On XX/XX/XXXX of 2018 I discovered a collection account from XXXX hospital on my credit report. 
I called hospital 's billing department and disputed the amount of the bill which was {$1500.00}. I sent them both documented proof that on the date of service proving I did had valid and billable insurance. When I spoke with the representative at the hospital in the billing department it was discovered that the hospital filed with the insurance the wrong billing code under " MENTAL HEALTH SERVICE for a XXXX XXXX instead of medical servics. She told me this was a hospital Error and since two years had passed she don't think that the insurance company would pay and this was a billing and coding error in the hospital billing department. The collection account was taken off of my credit reports within 90 days. 
Then on XX/XX/XXXX of 2018 I discovered that the hospital has once again place the same account with a balance of {$1500.00} back on my credit report again with a different collection agency called XXXX XXXX XXXX  and I am disputing it once again with the hospital and with the collection service with those same document showing that on a date of service I had valid and billable insurance. 
I am now demanding that the hospital not be able to ever put this balance back on my credit report again this is an account that the hospital made the air on not the patient.
This is a follow-up complaint to several other CFPB complaints on this same issue. Yesterday I spent over an hour on the phone with B of A during my work day. This was at least the third call to them to fix the same problem. I also spent over an hour with them on the phone on Sunday, my weekend. The short problem here is my statement posted on XXXX XXXX, I scheduled a payment to occur XXXX XXXX, it did, but they applied it to the prior month, saying because I made the request on the XXXX that is when they applied it. I am not rehashing any of this ; refer back to the prior complaint. While I filed a CFPB complaint yesterday on this ( and a number of times before ), I also called B OF A and hashed it out and finally got a rep who understood, said she would fix it. She said she saw the prior rep errors and that instead of a month behind I was a month ahead. She said she would submit a trouble ticket and fix it. Today I looked online. STILK SHOWIN LATE!! And today their home office retention called me in response to my CFPB complaint. Amazingly this time she again said I am late, the last representative gave me misinformation, so did the one on Sunday in my hour call who said she would move the payment and fix it, so did the one the prior Wednesday who said he would take off the late payment and reflect the account. It is like XXXX XXXX, each time I call they forget and give me old bad information and keep pressuring me to make additional payments when I am a month ahead. I have spent about 6 hours on this in the last week alone, the reward for making my payment one day after my bill!!!!!!!!! I was so enraged just now, I threw my cell phone against the wall and destroyed it. They are out of control. This is the fourth time in one week they have told me wrong information, told me I could not trust information from other representatives, told me I could not trust information for their website, and took an exceedingly rude attitude towards me always saying I am a late payer when I habitually pay within one or two days of each statement closing. I have never been more offended in my life. I need real compensation here and they need to fix their system.
My Navy Federal Credit Union account was sucessfully logged into by an unauthorized user on an Android device with an unsupported build that is now 5 years outdated ( version 4.4.2 ). One day after the unauthorized user gained access, there was a deposit made to my checking account from an authorized 3rd party. This transaction has been posted on the 3rd party 's account but not reflected in my account, the receiving account. NFCU is doing nothing to rectify this problem or assist in any way.

During this time, NFCU made no attempt to contact me and notify me of an unauthorized access. I instead had to call NCFU, four days after the unauthorized user gained access, to inquire about why I was not able to see the above mentioned deposit posted.
Good afternoon. I have a current installment loan for {$1400.00} with speedy cash and I am trying to set up a payment agreement with them for XXXX every two weeks totaling {$160.00} a month to pay off principal amount because I am going through a hardship right now and I can not afford this high interest loan with only XXXX going toward principal to get it paid off. I tried contacting them and sending an email to corporate, no one has responded. Please, I am trying to pay them back to get this paid in full what I owe them. Thank you!
Midland Credit Management Inc, XXXX XXXX CA is trying to collect on a time-barred debt. They are currently violating the federal Fair Debt Collection Practices Act XXXX FDCPA XXXX. Also, They send letters in XXXX to my family. None of us speak XXXX XXXX. I have contacted them, disputed the debt and told them to cease any and all communication and delete my information from their system.
Deceptive advertising by Citi Card : I applied, and was approved for, a new Citi/AAdvantage Platinum Select credit card. Before I even received any documentation or my credit card, I received another offer for a Citi/AAdvantage Platinum Select credit card, which offered even better benefits ( an additional XXXX air miles which translate roughly to $ XXXX value ). When I called to ask to receive the better benefits, I was told that even though I can have multiple Citi card acounts, the offer was only good for " new customers ''. HOWEVER, the terms and conditions of the new offer letter clearly state : " This offer is only valid for new accounts '' and " If you are an existing Citi AAdvantage cardmember, you are not eligible for this offer on your existing account ''. But it does not say anything about being a new or recent customer. Citi card also refused to honor their offer even if I decided to close the just opened account ( for which I had not even received my documentation ). Failing to honor the offer as published constitutes deceptive advertising and unethical business practice symptomatic of Citi Cards.
CBE Group debt collector is using an automated dialing system to call my cell phone from a spoof phone number throughout the day and evening. The number they are using is intended to mask itself as a local phone number. I called the number XXXX and verified it 's forwarded to the CBE Group.
I have disputed this incorrect reporting with the XXXX bureaus, indicating this was paid/equipment returned. I still have had no luck getting Stellar Recovery to remove this information from my credit files.
I set up a verbal payment arrangement to pay off my amount owed. I started making payments but due to my financial situation i missed one payment. I still had full intentions on pickubg back up my payments the following pay period i explained this to my account rep and told him you do not need to continue to call me every day about my debt i will make the payment asap. He still continued to call me then told me he is jusy going to put refusal to pay on my account and i need to honor my word. I called and askwd to speak to his supervisor left him a message and havent heard anything.
I have a newly created online store where I was unaware that customers had a PayPal Express pay options. Well one of my first few online sales on XX/XX/19, the customer choose to pay using PayPal and the funds were sent using PayPal. I was then instructed to created a PayPal account to gain those funds. 

I then created a PayPal account, add added my business banking information and waited the 2 business days for the micro deposits to verify my bank. I logged back into today XX/XX/19 only to be told that my account is restricted until I upload a copy of my drivers license. Well, working in Fraud Management for a large credit union, I know that PayPal had a data breach within the last two years, so I did not feel confident uploading this information on there website. 

So I decided to call PayPal, I spent well over an hour trying to resolve the issue today during my lunch break. I was passed around to a few different agents as I explained that I didn't want to upload a drivers license. Being that I had to get back to my full time job I abandoned the lack of support I got from Paypal. Every associate was rude and one even insinuated that I was wasting time by not letting her transfer me to the next person. 

Upon returning home this evening, I decided it would probably be quickest to just refund the customer and request them to reprocess their payment. After refunding the customer leaving my PayPal with a XXXX Balance, I called PayPal to close my account. I have been on the phone now for 1 hour 31mins. They will not let me " close '' my account without providing my drivers license. They will not let me remove banking information ( debit card/ account numbers ) without providing my drivers license. They have compleletly taking my information hostage until I provide the my drivers license. I have now completed my call and at 1 hour 46 mins 04 sec the supervisors tells me there is nothing that can be done, my information will remain in the system and the will NOT close my account without providing a drivers license.
National Credit Systems is reporting XXXX collection accounts on my credit report : {$1500.00} & {$620.00} respectively. I have contacted their office several times asking for an itemized summary of the charges that constitute these debts, but they will not supply me with this information.
Good morning this complaint is a continuing of our Case number : XXXX XXXX XXXX my loan number with chase bank is XXXX for the property locate at XXXX XXXX XXXX XXXX XXXX, PA XXXX on file all documents are attached on this complain case number : XXXX as today and is been more than one month since we open this complain nothing has been resolved with chase bank a representative from the chase bank executive office name XXXX XXXX at the phone number XXXX ext XXXX did call me ones she request for me to send her prove of all the repairs and XXXX to the property located at XXXX XXXX XXXX XXXX XXXX, PA XXXX we did send it over 2 weeks ago via fax and email we fax it to XXXX also fax to executive office at XXXX also email to executive office at XXXXXXXXXXXX and no one 's have getting back to us to let us know that they received and working on this case when I call XXXX XXXX XXXX yesterday she told the assisted who answer the phone that she ca n't talk to me anymore because my case on executive office was close that after she talk to me ones she ca n't talk to me anymore she told me to contact our new negotiator on the loan his name is XXXX XXXX at the phone number XXXX ext XXXX wish I did call more the XXXX times and I have this call record on my XXXX each time I call XXXX XXXX he never answer the phone his voice message says he will call you bank within 24 hours and he never call back please note : each of my call to XXXX XXXX specified very clear to please only contact us at our Mobil number or office number wish is XXXX or XXXX because no one 's is at home during working hours after more than XXXX calls that i have recorded on my phone as proved still XXXX did call me only ones last week but to my home phone number during working hours I call this a malicious intention because he knows that no one 's is at home he did not want to talk to me he just want to make a phone call to a number register in my name that he knows no ones will answer but just too he can have on his record that he did try to contact me ones : what I call an insult to the intelligence of anyone please note I am attaching the invoices requested by XXXX XXXX I am also attached the letter send by her executive office where it say that she will get back to me no later than XXXX XXXX and as you may know she refuse to talk to me when I call yesterday and today XXXX days after the letter expire on XXXX XXXX 2015 we do n't have any answer for our short sale see documents attacked
I lost my job a few months ago, have not found another yet despite sending out several hundred resumes. I am also twice widowed so have no financial help. This has caused me to miss a payment on my Nordstrom card as I have XXXX mo in bills and no income. I contacted them and they have reversed one late fee, but TD bank who finances their card now jacked my interest rate to 30 percent and my minimum payment went from XXXX month to XXXX!!!! I can not pay that, my balance is on XXXX ... not XXXX!!! I have no other choice than to file bankruptcy if they are going to inflate my payments and interest this way!! I have never even been late on a payment before and have no control over if or when a company gives me a job and feel as if they are threatening me with remarks on my statement and not going to tolerate that!!
I have received repeated calls from a collector for a debt that is not mine. I have visited their website and left voice messages indicating that they have the wrong person. The robo calls continue over the weekend as well as during the week.
I need immediate assistance please. I 've received letters stating that Experian will no longer investigate. I 've also received letters stating that every single one of the accounts that I have disputed with them are verified. I would like to see the proof of ownership because I do n't even think that some of these accounts are mine! I 've asked for the physical documentation that verifies the ownership to no avail. I know my rights and I 'm positive after reading lawsuits and the FCRA that the bureaus are required to have the actual documentation prior to reporting these accounts. In consideration of the fact they are saying these items are " verified '', and they are required to have these docs, there should be no problem sending to me! I understand that the bureaus are paid to report accounts, and therefore, have no incentive to remove any of them. I also know that federal law states that everything on my credit file is required to be accurate and correct. Another issue I have is that one of the accounts was removed and then reinserted later without any notification as required under section 611! I do know that because there was no notification, they are required to remove it once again. Please see the letter that I have attached which reflects the information that I am disputing.
In XXXX XXXX, there was an account opened through XXXX XXXX that was opened in my name. I was unaware of this account until XXXX when I checked my credit score and saw it. The address labeled under the account was not mine and has become a closed liability on my credit score. I request that this be removed from my credit score.
I already have filed a complaint, XXXX. I have just gotten in touch with them at Capital One and got no results from them. They said all they could do is reduce my interest from 27 % to 22 % which would not help with what I want to do by getting them paid off. I wanted a 0 % rate for 18 months to pay it off completely and not wanting to hurt my credit score. They provide no help in even reducing it a considerable amount. 

My thing is, when you pay a {$230.00} payment and only {$70.00} goes to what you actually owe, maybe it is time for the Government to step in because this is highway robbery and they get away with it. It is awful ... I am on a fixed income, SS retirement and work part time. I just want to lose me as a customer, but don't offer any help with getting the interest low enough. 

XXXX XXXX
I believe I am victim of mortgage servicing fraud. 

On XX/XX/XXXX I requested a copy of the assignment of mortgage from the servicing company On XX/XX/XXXX I requested a copy of the mortgage servicing agreement between XXXX and Mr. Cooper. 

On XX/XX/XXXX I received a copy of the allege assignment of mortgage but I have received a copy of the mortgage servicing agreement between XXXX and Mr. Cooper. 

I am current on my mortgage. Sixty days has passed since I submitted the RESPA request and Mr. Cooper has failed to reveal it's rightful claim to collect my mortgage payments. 

XXXX was fined for committing mortgage service fraud and I believe that Mr. Cooper is a conspiring party as well. 

Please help.