WillisBack/dataset-financial-user-claim huggingface dataset:
I 'm being sued by national collegiate trust out of state. They never tried to work with me to make reasonable payments. I lost my job and fell behind. My account went straight to collections. I got a job offer out of state and relocated for that job job. They did n't contact me for years and now there is a lawsuit. To make matters worse it 's being filed in Illinois and I no longer live in the state. I can not afford to fly back and defend myself from these charges and they have not served me but I checked the online court docket and a motioned was filed against me in XXXX to be scheduled on XXXX XXXX. I 'm also concerned that the statute of limitations might have lapsed on this debt and that it is not legal for them to pursue me for it
I filed chapter XXXX bankruptcy. It was discharged XX/XX/XXXX. 

When it came up for discharge XXXX XXXX XXXX  started claiming late and missed payments. 

I sent them proof of payment in the form of canceled checks and certified mail receipts to validate my claim, that no payments were ever 30 days late or missed. 
After fixing some of their mistakes they continued to report 7 payments, 30 days late for XXXX. 

I hired a credit repair firm and on XX/XX/XXXX they sent letters on my behalf to XXXX and all three credit reporting agencies, XXXX, XXXX, and Experian. 

After reviewing my dispute, XXXX  and XXXX repaired my credit report by removing late payments from my report and are now showing paid and currant payment history for XXXX. 

Experian is how ever still showing - XXXX, XX/XX/XXXX as 30 days late, then, XXXX, XXXX, XXXX, XX/XX/XXXX as currant, then, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX as 30 days late. 

I am including copies of said letter to Experian, along with proof of payment in the form 12 canceled checks and certified mail receipts for XXXX - XX/XX/XXXX and, 12 canceled checks with certified mail receipts for XXXX - XX/XX/XXXX, and proof of XX/XX/XXXX payment with certified mail receipt. As you will see all payments are for exact amount, and there are no late payments or extra payments to bring account currant from XXXX and XX/XX/XXXX.
I am on a  Rate Reduction Plan for my private loans through Navient. I have done everything I can to make payments ( why I got on the Rate Reduction  Plan ). I called them and we ( me and a Navient rep ) set up the plan. They were to deduct so much money on a certain day of the month. I continue to get phone calls every day because they are not pay attention to the account. I DO NOT owe any more money than what is being deducted from my accoun t 1 ti me a month. They have called me so far in the last 2 days upward of 7 times a day. I am not behind on my payments, it was taking out on the  XXXX , which is the date I wanted them taken out. This is not my fault they can not communicate between each other. I did my due diligence and called and was put on the program. This is harassment and has to STOP!
Went through tortuous modification process. Ended with offer costing $ XXXX+ more than I already owe.
On XXXX/XXXX/XXXX I sent the company two letters demanding validation of the debts they are attempting to collect. The accounts are reflecting poorly on my credit report but I am not familiar with the original creditors, the balances being demanded, or the account opening dates. The company has failed to respond to my attempts to verify the debts but are still reporting the unverified information on my credit reports.
Portfolio Recovery Associates sued me back on XXXX XXXX, 2014. I had requested validation from them but never received it as requested. I went to court and represented myself and I had requested validation even then but the lawyers did not produce anything to prove it, they still won a judgement against me. When I had requested proof from Portfolio what a did receive was a letter and copies of statements but no contract with my signature. Portfolio now has a Lien on our home and emptied out a small bank account. My right to validation under the Consumer Rights Act has been severely violated.
I have a hard inquiry on my report from Discover. I called Discover and the rep was not able to locate an account or application using my SSN.

She said I should dispute, as a hard inquiry should not be on my report if there 's not a account open.
I am a victim of identity theft and someone stole my identity and personal information and applied for a payday loan with Ace Cash Express. The payday loan account was an unauthorized and fraudulent account. I never applied or received a payday loan from Ace Cash Express. I was XXXX from XX/XX/XXXX to XX/XX/XXXX. There is no way, I could of applied for a payday loan with Ace Cash Express, because I was incarcerated. I have attached supporting documentation.
I would like to register a complaint about Nelnet to protest most strongly and urgently the procedure Nelnet used to acquire my personal information and bank informations through, what I believe must be a third party. I am continuously having issue with identity fraud and to find out Nelnet has my personal bank information without my consent on their website database, is very disturbing. I believe this type of practice should be illegal and it a violating my privacy. This is unethical how they proceed to collect costumers personal information and sell it to other companies, without informing the consumer. I would like this issue to be investigated and verify if the way they got my account and personal information was kosher and through standard practice.
hello please for your help i have rquested Equifax to remove all un authorized inquires due to breach of there files i now have to put a fraud alert on my credit file. 
They have blocked my access to there website on dispute.equifax.com due to my girl freind can access it but i cant tested on several computers. 

Please inform Equifax who has of today has been breached again to remove all Inqires from my report Thank You from XX/XX/XXXX-XX/XX/XXXX
I was contacted on XXXX/XXXX/2014 by the Medical Business Bureau ( MBB ), a debt collections agency, and was told that I owed a hospital bill for an ER visit to XXXX XXXX 's XXXX XXXX XXXX in XXXX TX for the date of XXXX/XXXX/2014. I was told by MBB that my insurance at the time, XXXX, paid {$110.00} towards this amount and the remaining balance ( {$700.00} ) was my responsibility. When I asked for a bill listing each charge, MBB could not provide it to me and said I should have already received the bill from XXXX XXXX XXXX, the medical billing company that handled separate charges for the ER visit on XXXX/XXXX/2014. When I contacted XXXX XXXX XXXX, they said that the address they received from XXXX XXXX 's XXXX XXXX XXXX, and the address that they sent their separate billing charges to, was also XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, Tx, XXXX. Still, I must stress that I had not lived at this address for 2 years at the date of service, but they still forwarded the bill to the outdated address. The debt was then sold by XXXX XXXX XXXX to MBB who then contacted me by phone to collect the debt. The amount of the debt XXXX XXXX XXXX said that I owed was {$440.00}, but when they sent my debt to collections ( MBB ), MBB said that I owed {$700.00}. How could I owe MBB {$260.00} more than the debt that XXXX XXXX XXXX said I owed? Was MBB charging interest on the debt that they collected from XXXX XXXX XXXX? 

I contacted XXXX XXXX 's XXXX XXXX XXXX and they admitted that they forwarded the bill to an outdated address. I asked XXXX XXXX 's XXXX XXXX XXXX why they did not contact me by phone, mail, or email to confirm my address for the bill. I know at the date of service that I gave XXXX XXXX 's XXXX XXXX XXXX my most current address, XXXX XXXX XXXX . XXXX . XXXX, XXXX, Tx, XXXX. For some reason, XXXX XXXX 's XXXX XXXX XXXX had XXXX XXXX XXXX. XXXX . XXXX XXXX Tx XXXX on file for my guarantor, my father. When they did the billing for the XXXX/XXXX/14 visit, they sent the bill to an outdated address. This amount in question ( {$700.00} ) should have never gone to a collections agency. I am beyond upset with XXXX XXXX 's XXXX XXXX XXXX for billing me to an outdated address and also upset with XXXX XXXX XXXX for billing to the same outdated address. I have already contacted MBB through a complaint with the XXXX and they are issuing me a refund and closing my account with them, but I am submitting this complaint to make other people aware of the medical billing errors that XXXX XXXX 's XXXX XXXX XXXX and XXXX XXXX XXXX made. A billing error that has caused me months of stress, frustration, and numerous calls of harrassment from MBB to collect this debt. I will not use XXXX XXXX 's XXXX XXXX XXXX XXXX or any affiliate again in the future. I will also post to every consumer protection agency I can about the serious inconvenience that I have had to deal with for the past year.
Wrote a letter to American Express explaining I was victim of identity theft, fraud and being scammed. The executive office reached out to me and told me not to worry they would investigate the mater and get it resolved for me. Today I discovered they sent all my accounts to XXXX XXXX for a debt collection. I informed XXXX XXXX to cease and desist contacting me or family or friends. Send all correspondence by mail. Additionally, there was fraud on my American Express accounts and I am gathering a police report to file. American Express failed to resolve the fraud and instead sent it to collection and shut my cards off.
Equifax failed me and 140 million other Americans in protecting our privacy information such as Social Security Numbers. Have these idiots ever heard of encrypting sensitive personal information in their databases?? Apparently they do n't care.
I have been receiving a phone call that leaves a voicemail that is as follows : XXXX Voicemail We have an important message from Eastern account system. This is a call from a debt collector. Please call XXXX. 

Upon calling this number, it went straight to voicemail. The last two times I picked up when this number called, I asked the caller to identify why they were calling and what the call was in regards to. The first time prompted the caller to hang up as they would refuse to talk until I verified who I was. The second time the caller exhibited the same behavior and I asked that they again identify what the call was about and again they refused. 

Today I received a letter from the same company ( Eastern Account System ), and they claim there is a service balance due on my cable bill. Upon talking to the cable company they believe that I am a victim of fraud and recommended contacting a credit monitoring service. My credit monitoring service directed me to file a complaint, and if the caller persists file a police report.
We had an approved trial plan with XXXX. Our loan was transferred to PHH. PHH refused to honor our loan modification. We made all trial payments on time. I am attaching a fradulent statement sent to us by PHH. They bhave since refused our payments.
I was finally provided a loan forgiveness from Bank of America of {$120000.00} in XXXX 2015. I was also given a letter from Monitor of the Bank of America Mortgage Settlement stating that Bank of America has set aside {$490.00} XXXX in funds for tax relief for those of us that receive a loan forgiveness from BoA. I am now sitting with my taxes and seeing that I owe over {$40000.00} in State and Federal taxes due to the loan forgiveness. I have attempted to contact the XXXX but they have stated they are no longer providing tax relief. I have gotten no further information on how to access these funds.
The following XXXX opened in XX/XX/XXXX and paid in full via debt collectors, several years ago, after the statute of limitation already allowed for this debt to be canceled, has all of the sudden been reported XX/XX/XXXX why now?

Ive been working hard to improve my credit score and now this appears out of the blue to damage it. Doesnt it seem very suspicious?

Thanks for your attention!

This has been paid in full at least 5-10 years ago, unknowingly after the statute of  limitations made it unnecessary, through a debt collector : XXXX XXXX Account Details Last Reported XX/XX/XXXX Creditor Name XXXX XXXX Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$4700.00} Term -- Monthly Payment {$5400.00} Responsibility Individual Account. 
Balance {$5400.00} Highest Balance {$6900.00} Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$5100.00} Times 30/60/90 Days Late 1/1/3 Remarks Charged off account Account closed by credit grantor
I was given a 30 day late mark on my credit report due to Nordstrom Card Services reporting inaccurate information. They did confirm that the error was due to them not having protective measures in place when a consumer sets up auto pay ; the consumer enters their banking account number one time only. There is no measure in place to confirm accuracy like there is on all other payment sites. After 4 years of 100 % on-time payment history, I was asked to re-enter my banking info. Un-beknown to me, I was missing a " XXXX '' ( so they say ). They were not able to withdraw the funds, removed my auto-pay and dinged my credit without notifying me.This resulted in a 70 point drop to my credit score. Had they had a simple verification step in place to protect their consumers this would not have happened. When I asked for confirmation that it was in fact my error, they were not able to provide it. Did I in fact in enter the wrong account number? WHO KNOWS? Could this have been prevented? YES! They refused to do a Goodwill Adjustment. A 70 point drop and it will remain on my credit report for 3 years. The financial ramifications of this due to the impact to my credit score will be huge as my fianc and I are buying a house in XXXX.
This morning XX/XX/2018 at XXXX I received an email notification that my loan payment would be changing, an increase. Im set up with auto draft. Well 22 minutes later, at XXXX, I received my email for receipt of payment reflecting of the increase. I was charged {$540.00} instead of the normal {$390.00} without a real notice. They said changes would reflect in XX/XX/XXXX but they started today.
They forced me to pay on my loan while still in school and threatened to with hold me from class if i couldnt make my payments. They also tricked alot of us into opening a new loan with a lower interest rate with the understanding that the previous loan would be dropped or closed. Come to find out all they did was open another loan and made me start paying on XXXX loans while still attending school.
I am a victim of identity theft. Someone stole my personal information and identity, has been impersonating me for over 30 years opening fraudulent and unauthorized credit card accounts in my name. I been receiving harassing phone calls and death threats regarding the fraudulent and unauthorized credit card and collection accounts and student loan account. The following credit card and collection accounts, hard inquiries and public records are fraudulent and unauthorized : XXXX XXXX XXXX, XX/XX/XXXX, {$2800.00} XXXX XXXX XXXX, XXXX/XXXX/XXXX, {$14000.00}, XXXX XXXX, XX/XX/XXXX, {$5000.00}, XXXX XXXX, XX/XX/XXXX, {$8400.00}, XXXX XXXX, XX/XX/XXXX, {$5900.00}, XXXX XXXX XXXX, XX/XX/XXXX, {$7300.00}, XXXX XXXX XXXXXXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, {$290.00}, XXXX XXXX XXXX, XX/XX/XXXX, {$25.00}, XXXX XXXX XXXX XXXX, {$390.00}
My XXXX account indicates a hard enquiry that I did not authorize. 
Details are : Name : XXXX XXXX XXXX XXXX Date of enquiry : XXXX XXXX, 2017 Agency reporting : Equifax
I noticed my credit score dove 100 plus points due to a collection being added. I placed a complaint with XX/XX/XXXX, the ONLY reporting agency to show this incorrect entry. It listed a balance as though they had not been paid for the past 3 months. The total claimed is {$330.00}. When asked what is this / who is this for she says XXXX XXXX XXXX. I said Ma'am This was taken off my other reports years ago. She states it was filled with another outfit in XX/XX/XXXX. I've had and have XXXX XXXX XXXX as my Cellular carrier now since XX/XX/XXXX. so 11 years and counting. This is bogus, all my bills are paid on time. All three reporting agencies show this. It's quite frustrating for these crooks to be allowed to do this I have 100 % repayment on time. No reason for me NOT to pay unless I never owned it. Please make them remove it once and for all. Please see the dates are made up ask for XXXX ack up for those dates, Please!
I have been disputing that Equifax should not allow State of Washington Child Support XXXX on my credit report to report anything because I am on SSI. That SSI is my only income and they can not perform this legal act. I applied for SSI XXXX XXXX so this applies since XXXX XXXX. I was approved XXXX XXXX. I also noticed they have reported numerous times in XXXX, when they are to if it was a legal act report only a few times a year. This is to prove they are in control and a malicious act. Well now I am in control and this fraud will stop. 

I have an email from XXXX XXXX whom is head of XXXX, Wa Federal Office of Child Support whom agrees with me and the law that Division of Child Support should not be reporting to ones credit report that only income is SSI. My only income is SSI. There act is illegal and has been. My credit score has been affected by this and needs to be reflected in the change. As well, not once did I receive notice since XXXX that Division of Child Support was going to be reporting to the credit bureau 's. Per Federal Law safeguards are mandatory and my due process was denied. This fraud child support tradeline in its entirety needs to be deleted from my credit report and score reflected. Please feel free to contact XXXX XXXX for confirmation. 






XXXX XXXX XXXX ( 2 days ago ) to XXXX Thank you, but my question is regarding permanent XXXX. SSI is not counted as income. 


What is your thought on this Federal Law? Reporting to the credit bureau is a legal process right? 

" " The provisions of section 207 ( a ) of the Act ( 42 U.S.C. 407 ( a ) ), prohibiting attachment of benefits, are specifically made applicable to Supplemental Security Income ( SSI ) benefits pursuant to section 1631 ( d ) ( 1 ) of the Act ( 42 U.S.C. 1383 ( d ) ). Federal regulations at 5 CFR 581.104 ( j ) also specify that SSI benefits are not subject to garnishment. In addition, section 459 of the Act ( 42 U.S.C. 659 ), which overrides section 207 of the Act, provides that only benefits which are based upon remuneration for employment are subject to legal process for child support enforcement. " XXXX XXXX XXXX XXXX , XXXX ( XXXX ) XXXX ( 9 hours ago ) to me I can indeed confirm to you that SSI benefits can not be garnished or intercepted. A taking of your SSI dollars by a collection intercept, either directly from the Social Security Administration or via a bank account garnishment after they 've been deposited into your account is something we have clearly instructed state child support agencies they can not do. 
I do interpret this provision to mean that Washington State is forbidden from reporting an outstanding child support debt to a credit bureau if someone is receiving SSI XXXX benefits. 
XXXX XXXX Here is his contact information. Contacting Division of Child Support XXXX, WA will do you no good. They lie. 
Look down the list and you will find XXXX XXXX contact. He is in charge of DCS XXXX, Wa. Above all of them. 

http : XXXX
NAVIENT/XXXX  are reporting a fraudulent balance. A pass due balance of {$13000.00} and a write-off of {$23000.00}. 

This account was transferred to XXXX more than seven months ago, according to information being reported in the report of XXXX. 

It is requested the credit report of XXXX XXXX reflect a closed status and XXXX balance. 

NAVIENT/XXXX does not currently have an interest in this account, has failed to produce any proof of interest in this account, never obtained any collection agreement - nor collected a single dime, and, has subsequently relinquished the account to XXXX. 

Additionally, the account appear poised to drop off all credit reports about XX/XX/2018. 

This will be the third attempt to get this information corrected through CFPB. The previous two file numbers are : XXXX and, XXXX.
I am a XXXX year old woman suffering from XXXX XXXX. MCM has made repeated phone calls to me collect a debt of my daughter-in-law. these calls continued despite the fact that my daughter-in-law has never lived with me nor used my phone. I gave MCM that information each time they called. as a result of MCM 's cruel tactics I have suffered severe mental distress. every time the phone rang I was overwhelmed with anxiety.
NCC Business Services XXXX has re-initiated trying to collect a debt I do not owe. During XXXX I provided response to their collection attempts, and ultimately provided evidence to the XXXX credit reporting agencies XXXX and all XXXX credit reporting agencies found in my favor and determined that the debt collection was not valid. Now NCC is again trying to collect this same debt, about 1 year after I 've already had the credit reporting agencies dismiss this as an invalid debt and a debt that I do not owe. The company has harassed me and called me repeatedly, and yesterday XX/XX/XXXX even called my place of employment. I called them back and explained never to call me and to not call my place of employment. The representative was extremely rude and I had difficulty getting them to stop talking so that I could explain that this debt has already been proven invalid but they threatened to report it to the credit agencies again. I asked if I needed to contact the original place that levied this claim and they said no and that it had been " turned over '' to them. I have already proved I do not owe this money and now they are starting to harass me all over again. I have mailed in my credit reports showing the dismissal of this claim of debt to NCC as of this Monday XXXX XXXX ) so I did provide them written notice that I disagree and that the debt is not valid. I explained all of this on the phone but the representative was loud, would not listen to me, and said that no matter what that I owed this money and that I did n't know what I was talking about. He even said that since I work for XXXX he would n't try to tell me how XXXX works and so I should not try to tell him how debt collection works. I told him that he was not listening and that I would have to go ahead and hang up the phone since he would not listen to any rational or reasonable explanation that I was providing.
I got a judgement placed against me in XXXX ( after the money order for the original debt had been received & cashed ). Anyhow, I thought after they rec'vd the money order they would just drop the case. They did not. They got the judgement because I did not show up to court. I hired a lawyer to help me with the case in XXXX. I thought the lawyer I hired took care of the case, only to find out recently that the Lawyer I hired had been disbarred. Now they are tacking on 10 years worth of interest & they have my social security number on display on the XXXX XXXX XXXX for the world to see. Its a debt collection Law Firm called XXXX, XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX )
Today is X/XX/17 and I have tried for the past three days to freeze my credit with all three credit reporting agencies. With all three I get a screen that says try again another time. I tried calling and got essentially the same answer.