WillisBack/dataset-financial-user-claim huggingface dataset:
For a little over 6 months now, I have been receiving calls from Constar financial in order to collect a debt for a leased car that I turned in over 3 years ago. They say that I owed money for wear and tear on the car. I initially was in contact with XXXX at Constar Financial, and was very happy to pay the debt. After giving all my information to her, I received a call several weeks later saying that they were unable to process my request. I checked by bank and noticed that it never went through. So again I gave her the information and waited a couple days and they still did n't take the money out. After that I contacted them and they said that my credit union could not find my account even though I pay literally every bill with the same information with no problems. Although I was annoyed because XXXX and her director both were extremely pushy and rude, insinuating that I did n't have the money to pay them, when from the beginning I 've been giving all of information to collect this debt. But okay I gave them information to an alternate bank account at a whole different institution. Weeks went by and they still did not take the money out. I called both of my banks and they said there is no record of Constar financial ever trying to collect the debt from my account. So this caused a red flag for me. And then early today I received a call at my desk, after the last time I spoke with them, I specifically told them never contact me again regarding this because I will not be abused like this anymore. The man who called was even ruder then XXXX and stated that I needed to now send them a money gram to pay for this. He then proceeded to say ' you obviously do n't have the money to pay your debt ' He knows nothing and I have given my bank information many many times.They are harassing me and my mother at this point because they cant get it together. It seems as though this was their plan from the beginning, a kind of sham to get people to send money directly to them. Insanely rude and abusive company
This has been going on for over a year and a half. It has to do with XXXX XXXX XXXX ( XXXX separate accounts ). I contacted XXXX to fix the problem with Equifax , who was still reporting accounts were not paid in full and open that was still open. I wanted to give them a chance to fix the issue. Then to my surprise they made a Key Derogatory on the XXXX accounts to XXXX. 
I am just trying to fix my credit report and XXXX keeps making it worse. I have paid these accounts in full, one of them they put to a lawyers office and put me through a very difficult time, but I did pay them off. I did disputed the with credit reporting agencies about the fact XXXX was not updating my records that I was making monthly payments. I then recieved a letter for XXXX that they would not respond to any other disputes about any of my accounts. I can continue to look for that letter and the letter from the lawyer that the other account was paid in full, but on my credit report it shows that account has a XXXX balance, but with Equifax it is not closed. 
I would like to see some kind of justice happen. I want my report to reflect the truth.
Client Services failed to validate and prove that they indeed is the client who is legally allowed to collect on this debt. I have been in contact with the origional creditor and is currently working with them. Client Services only sent a computer generated letter which is NOT validation ... If my offer is refused, until you can properly validate this account, you are ordered to cease and desist all collection activity.
I had a medical debt in the amount of {$240.00} that I recently paid. I received a notice form Transworld Systems Inc. I called to try to tell them I paid the debt, however the number goes right to a voicemail and I can not leave a message. There is a website, so I logged on but I continuously get an error, and the screen will not provide me a number to call. I have no way of communicating with them that this debt has been paid.
Ocwen complaint I can not get answers. Back on XXXX/XXXX/2017 I filled out an application for a Deed in Leiu, I was told not to make any payments during this process till the application gets processed and finalized.We initially wanted to vacate the premises the right way without a foreclosure.

We do not get call backs from the company even thou they continue to send me emails ( which I have ) stating I have a conference call scheduled with the relationship manager. We have made several phone calls and all I am told is I am very sorry, in a language that can barely be understood because they outsource their customer service.

I have read multiple complaints about this company online and they are all the same, no answer, no solutions, every excuse leads to problems regarding a lein on the home which is the excuse I was given ( yet I purchased the home with no history of a lein ) ..?

Now they have reported to the credit Bueru that I am delinquent on my account and past due the full amount of the note {$79000.00} Which is ridiculous Because we stopped making payments when we were told not to pay anything! 

It should be illegal to run a business the way they do. Deceptive trade practices.
I signed a contract with 21St Mortgage Corporation on XXXX XXXX, for a Mortgage loan of {$63000.00}, at 7.25 % of interest rate, and to be paid in XXXX monthly installments. I paid off this mortgage on XXXX/XXXX/XXXX. After checking my payments I noticed that the interest I have being paying is 8.02, a difference of 0.77 %. I called 21St Century on XXXX/XXXX/XXXX, and they told me that the interest I have being charged is OK., everything is under the contract, and not refund should be done. I know that 's not right, and that a refund must be done to my favor.
Do to medical situations Myself and my Wife can no longer make our mortgage payments. Our home has been for sale since XX/XX/XXXX with not even XXXX offer until two weeks ago. The offer is less than the total balance but agreed to the lesser amount. Myself and real agent submitted the paperwork that was requested by Ocwen XX/XX/XXXX I received a letter from Ocwen XX/XX/XXXX stating " kindly provide a copy of XXXX benefit statement income in financial form of RMA ( XXXX XXXX XXXX '' The next line stated " Kindly provide a valid copy of bank statement reflecting XXXX latest transactions for the XXXX income. ( XXXX ) My wife faxed Ocwen the requested information again on XX/XX/XXXX. Another letter was received from Ocwen XXXX XXXX stating " Kindly provide a copy XXXX benefit statement income mentioned in financial form of RMA. " I called and spoke with a representative and asked them to be more specific on what exactly they are requesting. After I explained my wife does not receive a monthly statement from social security and the XXXX confirms her yearly earnings and the bank statement confirmed her monthly earnings the representative agreed and said that was all they needed. So today I have received another l asking me to provide the same information. Another call to Ocwen was terrible and they could not provide me with the what they need for additional paper work. I was transfered to a manager that basically would not listen to my questions and could not provide the correct answer as to what documentation they want. My real estate broker told me its a horror show dealing with Ocwen and now I agree. I had to spend alot of my time in a hospital. I feel so bad to sell my home and its turning into something no one should have to go thru tryning to deal with Ocwen.
We are trying to refinance our house. We had been with XXXX which sold out to XXXX XXXX XXXX and has now sold our mortgage to Nationstar. 
We have given written and verbal permission to Nationstar to share information with XXXX XXXX Bank to refinance. This process started the XXXX week of XX/XX/XXXX. 
For some reason the loan was being held up and not being released to XXXX XXXX Bank. We were finally able to find out that they were stating we had XXXX liens on our house. It seems that when we bought the house and we used VA to purchase and then a few years later when we refinanced we went with FHA. The VA loan was never removed by either XXXX or by XXXX XXXX XXXX. So we have asked Nationstar to remove the VA loan as it is not correct, we are being stonewalled. We are told it would take a month to remove. I sent an email requesting that this should not take a month to correct an error of this type and was told that it would be considered and we will be notified XX/XX/XXXX. 
I feel that our mortgage is being held " hostage '' because they for some reason do n't want to release it to XXXX XXXX. I ca n't think of any other way to explain this. All the people who have been trying to obtain information are amazed as to the way we have been treated. The numerous people I have spoken to at Nationstar have been very unhelpful. I have even call the corporate office and the woman I spoke to was amazed that this was going on. 
We just want to move on and change companies and complete this process.
I have attached a letter that will explain my situation. The accounts that I am disputing are. 
I am disputing the accounts and inquiries as an internal dispute. Also Im disputing the inaccurate accounts and inquiries that you are reporting on my credit file as an affidavit as well. Please be aware that I await your response and if you send me any verified letters I wont hesitste to reach out to litigation and take legal actions against your company for violating my rights and The FCRA. I am allowing 72 hours due to the fact of improper and unprofessional business ethics.
I have disputing incorrect information that is reporting to the credit reporting agency 's. qvc is trying to collect a debt from me in the amount of {$380.00} which I paid this account off in full. This account was sold to XXXX who I also contacted to advise them that I do not owe this debt. I received a letter today from syncrony bank/qvc stating they have received my prior complaint to the fcra and advising me that they no longer have this account as it has been sold to XXXX and if I disagree I have 20 days to respond. I wrote a XXXX page letter back to them stating that I do not owe this money and should have never been sent to collection. I also requested to please correct there records and remove this incorrect information off my credit reports as it is causing a negative impact on my credit report and score. I see that a cc was sent to the fcra as well so I am responding as well to the fcra. I have been dealing with this for month 's now and am very upset that they are telling me it is reporting correctly. There records are wrong. I still to this day do not understand how they tell me I was to make my payments to the qcard and not directly to qvc. Well I made the payments directly to qvc. I put the account number on the card in my banking information and made the payments directly from my bank account to qvc. Then they go and sell this company over to XXXX? Now I am having an issue with XXXX as they want {$250.00}. I refuse to pay {$250.00} for something I do not owe.
Several months ago, I bought a  XXXX   XXXX  in  XXXX  and activated its prepaid feature. The fee schedule (   XXXX   XXXX   XXXX   ) states that there is a monthly fee ONLY if no money is loaded to the card in an 18 month period. I have been loading money and using my card but was still assessed the {$2.00} fee in each of the past 3 months. I have called customer service 5 times about this, and they did not fix the issue. They also gave me incorrect information about what the fees on my account are and refused to transfer me to a supervisor.
I Submitted a dispute onXX/XX/18and TransUnion receive it on XX/XX/18for inaccurate information with XXXX XXXX XXXX. I asked transunion supervisor XXXX XXXX over the phone @ XXXX on XX/XX/2018 about information Regarding of the investigation and he fails to provide me any information because he amidit that the account was not properly investigated as requested, I told him that the error on my account are still there and that it pass over 30 days and they didnt remove it and deleted it from my TransUnion
I received a call today stating that I had paperwork filed against me about a case and I needed to return the call right away. I returned the call and was told it was for a {$400.00} loan that I got in 2011. I told the lady that I do not remember receiving a loan 5 years ago and she immediately became defensive saying that just because I do n't remember it does n't mean that I do n't have to pay for it. I then asked her why I had n't received anything in the past 5 years asking for me to repay this and she said that they had called, emailed and mailed me about this loan and I said that I have n't received anything and she told me that I most certainly had. I then asked her if I returned the 1 phone call to them today, why would n't I have acknowledged this supposed loan and responded to calls and whatnot before now and she just kept on going about how I had to pay this, they were suing me and there would be {$3100.00} in lawyer fees, {$2500.00} in their fees plus the {$700.00} and some odd dollars that I originally owed. I asked her to send me a validation of debt letter and she said it was way too late for that and her company does not send those types of letters. She then became rude and talking over me, so I called her a XXXX next Tuesday and hung up. I then called back to try and talk to someone else but got the same lady again. We tried to talk again and again she became rude, so she got some pretty colorful words from me and hung up. I called back again and asked the woman who answered the phone what the name of her company was and the address, she stuttered around for a minute and finally told me that the company name was ARA. I said ok, what is your address? She would n't answer me and finally told me that she would have to transfer me to the correct department. She transferred me, straight back to the same original lady, I asked for their address, she gave me XXXX XXXX XXXX XXXX, VA XXXX. I said thank you, I know you know who this is and I 'm asking you to send me a letter of validation about this supposed debt that I owe and she refused to send it again, saying it was way too late for that and she had already explained that to me. I was going to send them a letter asking for the validation of debt letter, but I have a sneaking suspicion that this is a fake address that she has given me to contact them.
Sun Loan, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX is showing a hard pull for dates as follows of which I didn't give permission for these inquiries ; XX/XX/2018, XXXX XXXX, XXXX XXXX and XXXX XXXX. Please, correct this information. Thank you, XXXX XXXX
Applied for a loan, but did n't receive money and lender took money out of my account for a loan they did not fund. 
On XX/XX/2017 I submitted and was approved for an online direct deposit loan for the amount of {$250.00} to be deposited into my personal checking account XXXX XXXX XXXX union. On XX/XX/2017 I called in Cash Central customer service to verify the day the funds would be deposited. I was advised by a representative the loan would deposit on XX/XX/2017. On XX/XX/2017 I checked my account and no monies were deposited by Cash central. I immediately called Cash central and spoke to XXXX separate representative first a man and then a lady and advised him since the money was not sent by cash Central then I request to Rescind my loan. ( Being within the right to rescission time frame ). I was advised they would send an email to their manager and have the loan cancelled. On XX/XX/2017 Cash central withdrew {$250.00} from my bank account causing it to overdraft. I again called Cash central spoke to a rep. and I let her know Cash Central never deposited or funded the loan and that by them pulling the money out of my account was an error. The rep advised that Cash central did send the money to the account and for me to check with my bank. I called my bank and the rep advised there is no record of any deposit from Cash central. I also check my bank statement online and there is no deposit from Cash Central of {$250.00}. I need assistance recouping the {$250.00} Cash central removed from my account and any fees incurred from my bank.
This is a payday loan that I do not remember taking out from back in 2003. I received a phone call stating they were NOT a collection agency that they were sending the information over to swear out a warrant in debt against me for XXXX if paid today or XXXX if not paid today. I have not received any notification for this debt in over 12 years but I remained in the same area. I asked for information about the debt the first gentleman ( rudely ) suggested that I had this money wired to my bank account and presented a check on an account that was closed. This is not the case as they verify that accounts are open prior to giving funds to anyone. Further when I asked for the location or information about the original creditor I was provided with my maiden last name, a last four digits of an account and routing number that supposedly belonged to me and the year of 2003 but no real information pertaining to the creditor. The did give me Ace Check Express but could not provide me with the city, state, store number or circumstances around the attempts to collect the debt. Further, I told them that I was in a Chapter XXXX Bankruptcy and that they would have to wait until I contact my attorney because all debts that were on my credit report were placed under the bankruptcy. I was told specifically that they are not affected by my bankruptcy because intentionally do not report to the credit bureaus for that reason alone. This is unfair to me as a consumer and I would like this investigated. They are defrauding the bankruptcy system and it should not be allowed. Further their collection efforts were weak and non existent over a 12 year period where I was in a high visibility job and in the area. XXXX is the number I was contacted by and now I feel as if I am being extorted.
On XX/XX/XXXX, I realized that there was fraudulent activity in my checking account. Someone had stolen my checks, and was cashing them. I flagged this to US Bank, filed an affidavit for each check that was fraudulent ( a total of 5 ), and also completed a police report as well as a written statement. After jumping through all of US Bank 's hoops, I received noticed that I would not be receiving reimbursement ( ~ {$1700.00} ) because I was " negligent with my checks ''. They 're essentially blaming me.
I was alerted of the Equifax breach and check to see if my data was compromised. It was and now I am at risk for identity theft.
This is duplicate entry of same account on my credit report. US code 1692e ( false/ misleading representation, ) holds that it could not be listed as if it were another separate account. 
It is re-aged to reflect a more recent date. FCRA 623 ( a ) ( 5 ) ( A ) specifies dates of open/ delinquency must match. 
Despite my numerous requests, PRA has not provided me with an original contract bearing my signature, nor any document that assigns this particular ownership of debt to PRA ( US Code 1692g ( Validation of debt. ) ) It is beyond the statute of limitations in my state. ( Alaska Code 6-2-37. )
Equifax did not take proper precautions to safeguard sensitive data on their servers and lost it and as part of the breach want me to sign a arbitration clause for them to do anything about it even though they made the mistake. It is unacceptable for the company to require an arbitration clause for any remediation of the issue they created
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for over a month (!!!! ). I received no email, letter, or phone call and instead had to discover it via social media ( even though they have all of my information ).
I am participating in the PSLF program. Every few months I log onto the FedLoan Servicing website to check my qualifying payments. In XX/XX/XXXX, I saw six of my loans had 7 qualifying payments. I saved that webpage to PDF ( attached ). However, in XX/XX/XXXX I saw those loans only had 5 or 6 qualifying payments. 

When I called XXXX, I was not given any explanation as to why my qualifying payments had been reduced.
Greetings, I have previously contacted XXXX, XXXX, and TransUnion informing the company that I have been a victim of identity theft/fraud. XXXX, XXXX, and TransUnion is deliberately violating the Fair Credit and Reporting Act section 605b, which states that if a person sends documents from federal or state departments of an identity theft report then the agency must block the information from the credit profile. With my numerous attempts to get XXXX, XXXX, and TransUnion to follow the law, they clearly feel as though the law does not apply to them.
Dear Sir, I have received a letter from XX/XX/XXXX that there is account on my name, which was numbered was " XXXX '', I do not have any business with XXXX on any kind of loan or insurance, there were two credit cards ( ending XXXX and XXXX ) and both were closed on XX/XX/2018 and XX/XX/2018 respectively ( letters are part of the XXXX CFPB Complaint IDs XXXX and XXXX ). Individual credit card ending XXXX closed with XXXX balance on XX/XX/2018 and Individual credit card ending XXXX closed on XX/XX/2018 and I am paying remaining balance monthly. Apart from these two individual closed credit cards XXXX and XXXX, I do not have any business or no loans or no insurance or no business with XXXX at all. All of sudden I received the letter from XXXX that there is a account XXXX ' on my name, address and social, which is a fraud, crime and identity theft. Could CFPB direct respective credit bureaus to explain me the full details of disputed fraudulent account XXXX ' in written response called on my name, social, rental apartment address and various identification details. I also observed that there is a phone number called XXXX ( Home Equity of XXXX ) ', does it mean that someone has taken the loan using my name, social, address and various identification details fraudulently without my consent and authorization. Could CFPB kindly direct all the credit bureaus to file complaint against XXXX and account number XXXX ' under forgery,, fraud, identity theft and crime. This is a fraud and crime that someone has taken the loan on my name, social, rental apartment address and various identification details without my consent and authorization. I am going to file the police complaint and communicate to federal department. Could CFPB kindly direct credit bureaus to dispute this fraudulent account XXXX ', file a complaint against XXXX, provide me the complete details of this account and remove it from credit report under forgery, identity theft and crime. I do not have any business with XXXX   and I have no idea what are other fraudulent details they used to obtain this loan using my identity and social.
Contacted original debtor and was advised that the two accounts in question were charged off back in XXXX and XXXX. Disputed with the credit bureaus and the investigation results came back as " verified '' valid by the collection agency.
My XXXX year old mother bought 7 {$25.00} bank cards from XXXX on XX/XX/18 as gifts. The name of the card company is netspend. On XX/XX/18 me, my son and daughter which all received one each activated them. The company was told we wanted to use them as a one time charge. After trying to use them which they were all declined. We get in contact with XXXX which sold them. And netspend. XXXX was basically sorry about your luck its not our problem and netspend say they are reviewing the card. On another one they wanted my daughter to send in documents proving that she is who she is. With everything we tried. They could not let us use these cards for the {$25.00} gift cards that they are.
I received a letter from this company demanding payment. To my knowledge I have never signed a contract with this company and they have never provided me with services or goods