WillisBack/dataset-financial-user-claim huggingface dataset:
Collection item appeared on credit report on XXXX, XXXX, and XXXX for over {$5000.00}. I do not owe anything and no communication attempt has been made by the collection agency or alleged debtor.
On XX/XX/2018, I have requested that Equifax investigate XXXX XXXX because I don't have an account with them. Their results indicated the account as verified. I spoke with XXXX XXXX   briefly. I then told them that I have never heard of them. They have no Consumer Contract with my valid signature to verify this account. The Customer Service representative told me that they have my social security number as means to verify this account. I have been a victim of Identity Theft. My social security number could easily be obtained from the Dark Web. Equifax is allowing this company to verify my account using my social security number even though I submitted a written request requiring my creditors to provide physical verification. This is in violation of my consumer rights under section 609 of the Fair Credit Reporting Act.
I was never once told about the income driven repayment option. I have XXXX kids and sometimes things are right and we needed help. These options need to be disclosed to every customer when they need the help
I previously encountered hardships with respect to my mortgage and secured the services of an attorney to assist with such. At that time, my mortgage was upside down, and I underwent a financial restructuring process and my attorney assisted in lower my debt. Chase, who held the XXXX mortgage on my home, was contacted by my attorney to facilitate such. At that time, I wrote a letter to them in XXXX XXXX explaining the financial and medical hardships I was experiencing, and requested the same be forgiven. My attorney received a letter from Chase advising that the debt had been cleared. After receiving the letter, I contacted Chase a few times to confirm the debt had been wiped out and was advised that was in fact the case and I was sent a Satisfaction of Lien in XXXX XXXX. After receiving this notification, my XXXX mortgage went through a refi process through the new HARP program. Since Chase wrote off my debt, we did not include it. Afterwards, my attorney and I concluded our business and terminated our relationship. In XXXX XXXX, I was contacted by Chase and advised that they released my debt in error and requested payment. I wrote to them on XXXX XXXX, XXXX reminding them that the time to negotiate was when I had an attorney who was retained for that purpose. They were well aware that I was represented as my attorney wrote to them on several occasions. I requested a XXXX to file in accordance with the Mortgage Forgiveness Debt Release Act which they failed to provide. I requested that they honor the prior agreement and advised that I will not be making any payments in which they never responded. Chase went several months without contacting me. However on XXXX XXXX, XXXX, I received another letter attempting to negotiate the debt which is highly improper. At this time, since it appears that Chase is refusing to honor their prior commitment, I am filing a complaint and am requesting your assistance on such.
EXPERIANS UPLOAD SYSTEM DOES NOT FUNCTION.THEY REQUIRE TIFF OR PDF IM ATTACHING BOTH INVESTIGATION DOCUMENTS IN BOTH FORMATS
The debt collector is NOT responding via mail to my efforts to discuss debts. A lawsuit was filed against me at a property I do not live in, after they were notified of my correct address. Ultimately a judgement was made, once again, without using any correct address. Not even the court used the correct address.. Now, in an attempt to discuss the debt, I find myself on perpetual hold with the companies phone-bank and after emailing and faxing them my correct address, I receive no mailed responses of any kind and no return phone calls when I 'm able to speak..
My mortgage is with XXXX XXXX XXXX I received the attached letter that, at first glance, appears to be from them. In one spot, in very small print, it references XXXX XXXX XXXX. This is very misleading. I did not call the number, but wanted to express concern that someone could call thinking it was from their lender and not XXXX XXXX XXXX
I have repeatedly attempted to get my accounts status corrected with Experian.     I was just declined credit due to the fact that there is inaccurate and erroneous information on my credit report. I have a Chapter  XXXX  Bankruptcy that was discharged in   XX/XX/XXXX  . They have an account that still shows as " Charged Off '' I just a ttempted ( XX/XX/XXXX  ) t o get credit and was denied. I was told that the reasoning is there is a charge off on my account showing. I have attempted to dispute AGAIN the status of this account and all I got back from them is " We have already investigated this information, and the source, creditor or public record has verified that it is correct. If you still have a question about it, you may want to contact the source, or if you have additional relevant information, click here. '' With no option to have this error corrected.  <P/> This account was included in my Bankruptcy and discharged along with other accounts that show a s " Status : Discharged thro ugh Bankruptcy  Chapter   XXXX . '' But fo r SOME reason this one car d shows as " Account  Charged  Off '' even though they were all part of the SAME Bankruptcy.  <P/> Experian is making it even harder by telling me there is nothing they can do as the company says the status is accurate even though you can tell just by LOOKING at it that it 's wrong. And today it cost me.  <P/> My next step is to file a FCRA complaint as there is no way that this account is " Charged Off '' there is no validation for that and of course..Experian does n't care.
I have about XXXX seperate private students loans through SallieMae/XXXX ... and also about XXXX XXXX loans through them as well..I wracked up huge debt ... XXXX total ... I never graduated, had to leave with XXXX classes remaining because Sallie Mae wouldnt approve me for the final XXXX I needed. Ive paid off about half over the last 7 years, paying anywhere from XXXX amonth to about XXXX. I was able to pay it so i did, but recently ive had trouble paying on time because my checks from my job in the film business do not come in mail at appropiate and regular times.. the late fee are crippling.. i do t mnow if i can keep up with the payments.. and for years now ive been trying to ask questions and find out how to reduce my monthly payment ... I have not been able to negotiate anything with them.. the customer service is terrible ... often ive been hung up on after being toldto wait on hold for up to and over 60 minutes!! no answers and no negotiating and no consolidation. Im pretty sure they tricked me into doing half my loans or some kinda interest only payment early on .... im now buried in a pit of debt because of sallie mae/ navients misleading business practices, intimidation tatics, harrasment, and frustration ... .. 
I need to also mention that sallie mae/ XXXX have been calling and harrasing my co signers if ive been late by a day. They never call me, they straight call my XXXX year unlce and XXXX year old grandfather. Ive asked them to not call and bother them and to please call me instead. They have not stopped bothering my co signers ... .also it is impossible to find information on how to remove my cosigners name from my loans. I have so much angry and frustration about this situation ... i just want to be able to pay a resonable amount per month yo pay off my debt, i shouldnt be made pennyless by a vampiric corporation. 
P.S.- I want to click every button down below
I received notification on my credit report that I had an account in collections from XXXX XXXX 2 weeks ago. Until this point I had no idea there was any owed balances to XXXX. When I called I found out the debt is supposedly from 2013 for {$460.00}. I was unaware of this balance and have not received any notification about this matter. I never received anything from the collection agency XXXX XXXX   notifying me they were trying to collect a debt, it just showed up on my credit. The only way I found out what agency reported the debt was by contacting XXXX XXXX. This debt is supposedly from 2013 but is just now showing up on my credit report after 5 years. With no notification from the debt collector I wasnt even aware there was a collection or had the chance to rectify if there was.
I paid this balance in XX/XX/2016 for the amount of XXXX to Credit Management.
The Inquiry was taken place on XX/XX/2018 a credit reporting app called Credit Karma. The company that is called XXXX had done a unauthorized/unknown hard inquiry about my credit. In the description of XXXX  was XXXX XXXX XXXX. I called the bank through the inquiry line and they said contact credit karma. Credit Karma has no contact number.
I received a letter from American Express that they had changed in error changed the structure of my Green Card. This was done without my consent or knowledge. The changed had caused me to incur interest and late fees unknown to me. They have supposedly credited my account the interest and late fees but have since tripled my minimum monthly payments and restricted my card usage. I feel as though theyre having me pay for their error. Theres no way I can make a minimum payment of {$2000.00}. They have threaten to report me to the credit bureau. I feel the entire ordeal is unjust and have explained to them I have no problem paying the suppose debt theyre holding me to but to balloon my monthly minimum is causing me financial hardship as a single working mother. Ive outlined all that in a letter to their Chairmans Office but have not gotten a response from them on the matter.
Ive had my American Express card for 18 years and have never had an issue with them until this error which they acknowledge in a letter to me they caused.
I've been contacted numerous times by Accelerated Financial Solutions for months regarding a debt I owe. I ignored the calls for the most part because it seemed like a scam from the beginning. However, I finally obliged and called them back requesting additional information on this charge they are collecting ( {$1700.00} ), they did not have any details but promise to send them via mail. Nothing was received, and I communicated to them that I am no longer taking any calls as I haven't seen anything on my credit report on this alleged debt. I check my credit report yesterday ( 2 months later ) and my score had dropped significantly due to a delinquent debt by Accelerated Financial solutions. I've contacted them several times within the past couple of days which resulted in their failure to provide information, hanging up, unable to provide a valid email address or website, and just very suspicious operations. I've since communicated to them that I have filed various complaints ( identitytheft.gov, FTC, police report ), and will proceed to take legal action if not resolved by them. They have then blocked my calls, or hang up the phone when I use a different contact number of theirs. 
I do not have any documents from them with information on this debt. They have only operated over the phone, requesting immediate payment via credit card.
My name is XXXX XXXX, and I work for XXXX XXXX XXXX XXXX. We are handling the title and escrow for the sale of XXXX property. XXXX gave me signed authorization to obtain their 1st and 2nd mortgage payoffs with Chase. I spoke to 3 different people at Chase on XXXX XXXX, 2017, in their 1st and 2nd mortgage departments. They all gave me the same fax number to submit my request for payoff and told me that the turn around time was 5-7 business days. I waited the full 7 days and called to check on my request. They told me that they did not have any record of my requests, and that they did n't show that fax number anywhere in the system. I have fax confirmations showing my faxes went through, yet they are saying my faxes were n't received. They 're also telling me that I now have to wait the 5-7 business days again. This is not acceptable. The customer is trying to sell their home and this will hold it up.
We bought our house XXXX/XXXX/XXXX. The insurance renews on XXXX XXXX of each year. On XXXX/XXXX/XXXX, the insurance company received the annual payment from Ditech. Ditech did not insure the house for 25 days, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. Ditech disbursed from our escrow account the annual insurance payment on XXXX/XXXX/XXXX. The money floated on Ditech 's books for 46 days.
I submitted my loans for the Public Student Loan Forgiveness ( PSLF ) program and my loans were transferred from XXXX to XXXX XXXX. In doing this, I submitted forms that verified my eligible employment for PSLF and received confirmation that I was working from an eligible employer for three different time periods ( I transferred within the same organization which required three different employer verification forms submitted ) I submitted the employer verification originally in XX/XX/2017. I checked my account a couple months later and saw that XXXX had only processed one of the forms despite submitting three different forms. I informed them of this and they had to conduct a manual review to resolve this process. I received confirmation of these and I waited for my number of qualifying payments to update to show my progress towards PSLF. I waited a couple months before I called and they told me I had to manually initiate XXXX to contact XXXX to verify the payment plans I was on to ensure their eligibility. I thought this would happen automatically but it did not. 

XXXX has not yet verified with Navient that I was on the correct payment plan and my status on my loans is that I still have 0 qualifying payments towards PSLF. I have repeatedly called back and been told that this process takes longer each time, first 10 business days, then 30 days, then 60-90 days,  then 6 months. I call back at each of those intervals and am now at the 6 month mark and there has still been no progress. I want to know why this is taking so long as there are many years of eligible payments that I have not yet been credited for.
I purchased a brand new truck in XX/XX/2018 from a GMC dealer. I used GMC financial for the lender. I signed a contract that day. The vehicle could take 2 weeks to arrive. I sold our other vehicle and had the money to advoid having the loan or payoff the loan XX/XX/2018. The dealer said we cant pay the loan off until the vehicle arrives. Unfortunately the vehicle arrived XX/XX/2018. On the same day, l called GM financial to pay off the loan so I wouldn't accrue intrest. GM financial said they have no account and no paperwork to allow a pay off. GM finianial customer care said I would not incur interest because there isnt a loan until they receive the paperwork and have payoff information. 
On XX/XX/XXXX we contacted GM finianical to request a pay off. This time they had the information and surprisingly with intrest accruing since XX/XX/XXXX. I was told I couldnt have a payoff before because they didnt have any of the information but they accure interest from XX/XX/XXXX contract. I was told they can take up to 2 weeks to prepare the loan legally. I mentioned it was just shy 2 months to receive any information to even get a payoff amount. I asked for them to change the interest to XX/XX/XXXX when I received the truck. They told me they will not change anything. I talked to 3 managers above the first person. I feel I was denied any kind of payoff and was forced to pay interest for 2 months. I asked what day they received the documents to establish an true account with payoff. They said its showing XX/XX/XXXX but acknowledged this may not be accurate with the information and call times I provided. 
My worry is I have had many loans in my life time. I never been told I couldnt payoff an account but been charged interest after the fact by back date. I dont feel comfortable with a loan they dont give me the actual date they truely funded the loan but back dated it. My credit union I have my home mortgage with said that is not normal business for a loan. They would have not charged intrest until an account was established. 

If you have time you can be on the 3rd line to listen to GM finiancal explain there is nothing they can do and totally comfortable charging interest and back dating the loan information to fit their needs. If a payoff is not provided until XX/XX/XXXX then there should be interest charged until with in reason of that date. I think millions of people are being defrauded a few {$100.00} each with this non normal practices. 

I have received zero information in the mail about loan or payments. I have the account information as of XX/XX/XXXX by calling in. Also, finding out fraud of interest charging and back dating.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by Federal Law to verify, through the physical verification of the original signed consumer contract, any and all accounts posted on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. 

I recently discovered an erroneous collection account on my credit file from a collection agency named XXXX XXXX XXXX. I have no knowledge of this debt. I have no idea what this is, nor what they claim I owe the money for. I have sent the 3 Credit Bureaus validation letters, two times. Both letters requested verifiable PROOF of this alleged debt. Both letters merely claimed the debt was verified but I received no verifiable PROOF from any of the 3 bureaus that this was my debt. A clear violation of the FCRA. Approximately 30 days ago I sent a letter asking for valid proof to the reporting collection company, XXXX XXXX XXXX. To date my letter has been ignored and their fraudulent collection practices continue, also a clear violation of the FCRA. 

The failure to comply and positively verify this account has violated my consumer and civil rights and has damaged my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide a copy of verifiable proof, the account must be removed immediately. My demand is the immediate and permanent removal of these erroneous accounts from all three credit bureaus. If this is not accomplished immediately, I am prepared to protect my legal rights under the Fair Credit Reporting Act by retaining a consumer protection Attorney.
My loan mortgage was purchase by OCWEN and its been the worst ever. Today I got a letter/statement saying my mortgage payment was going from XXXX to XXXX due to Escrow Balances and taxes going up. I called them and all I was told that they were sorry and that they could send me form based on approval to lower my increased by 2 % and I 'm paying 10 %. I wanted a refinance but they would not do that no reason given. I 'm retired and I can not afford any more increase on my mortgage this has been the worst ever. Please help
- I opened a loan with XXXX in XX/XX/XXXX o Encountered financial hardship Fall XX/XX/XXXX due to rental property sale falling through / loss of tenant income had to remarket the property. 
o I contacted XXXX via phone in XX/XX/XXXX ( while still current ) requesting an extension. The rep advised there were no option available & to call back once the loan went delinquent. 
- Loan charged off XX/XX/XXXX, Prosper sold the loan to Velocity Investments , LLC - XX/XX/XXXX I was contacted by XXXX XXXX, on behalf of Velocity Investments , LLC. We agreed on a settlement, which I fully satisfied by XX/XX/XXXX as agreed - XXXX  continues to report my account as Charged Off / Account Sold Transferred on all 3 major credit bureau reports o I disputed through XXXX, XXXX, and XXXX  results have come back with no changes to the reporting, despite the fact I paid the account in full via settlement. 
- XX/XX/XXXX I called the creditors XXXX # as listed on my XXXX credit report, explained the situation, thinking I was speaking with XXXX. Agent transferred the call & new agent said I was speaking with XXXX a company Id never heard of. That agent informed me that XXXX sold the loan to XXXX we outsource to a number of companies to assist with collection. I asked, What about Velocity Investments , LLC?, to which she replied, Oh, theyre probably one of our affiliates. 

I have satisfied this debt in full, yet XXXX continues to report the account as 'charged off ' to all 3 major credit bureaus - no entity will take responsibility for updating my credit report to reflect the account as paid with no remaining balance.
This company Santander Consumer USA are theives and liars. They rip-off the american public. IF YOU RESEARCH ON THE INTERNET ie Rip-off report and XXXX in the XXXX area or nationwide area you will see THOUSANDS of complaints for them.!! They charge outrageuous fees, extend installments, repossses your car even though payments are made!! Goes on and on. READ ALL OF THE COMPLAINTS ON THE INTERNET & gt ;!! Something has to be done about these people.
My account was closed by Wells Fargo. Before informing me that they were closing my account, I deposited XXXX checks using at a Wells Fargo atm. The checks were NOT processed by Wells Fargo, and were immediately rejected because the account was in the process of being closed. This occurred on XXXX/XXXX/15. 
I would like the checks returned so I can deposit them into another account.
USAA promised they would not charge Foreign Transaction fees when they forced customers to switch from Master Card to Visa. They are now saying that this only applies to the credit cards. They have done a bait and switch and deceived customers. It is documented several times in USAA communities that there would not be Foreign Transaction fees for Visa cards.
Called 4 times to resolve the issue ... I 'm not denying that the info is mine. This is a case where I was in car accident in which I was not at fault. I have XXXX insurances and car insurance. While trying to contact the car insurance, I decided to strike up a payment plan that I could afford so that the claim would not end up on my credit report. The CSR from this place is incredibly intimidating and they refused to take the monies that I can afford right now. I got hung up on the 3rd call! They kept saying that I 'm refusing to pay but I 'm not! I 'm just paying what I can afford!! They asked me for the amounts of my personal bills and basically told me I can afford more than what I 'm offering. I was even advised to take out a loan because the loan people probably would work better than me than what they will do. I have every conversation recorded ( except the first ). I 'm upset because it 's not like I do n't want to resolve this but, apparently what I can do is n't good enough and therefore I was threatened that they will put this on my credit report. I spoke with the original creditors and they tried to help as much as they could but it 's out of their hands. ( ( We got to this point because the original creditors failed to put down my XXXX health insurances and they only filed XXXX which left with a balance ... I never received a bill but now I 'm stuck dealing with these rude collection people. )
Prior to Equifax 's announcement, XXXX had a link to freeze their credit easily. After X/XX/2017, they change the link and now are trying to hide the link behind their " monitoring system. '' This is disgusting that they are taking advantage of people trying to freeze their credit. This is a service that should be provided for free, after all THEY are the one who messed up.