WillisBack/dataset-financial-user-claim huggingface dataset:
ECSI XXXX., based in XXXX, PA, services my XXXX loan There have been at least XXXX instances where they conveniently delay the processing of my timely-made monthly payment, so that an additional {$10.00} late fee is applied.
We had a XXXX with XXXX XXXX XXXX from XXXX to XXXX, when they charged off the account after only 2 months late. ( we had never been late before ) We closed the account in XXXX and since we were struggling due to the recession, we were unable to make payments. XXXX XXXX filed in court against us. It took until XXXX to get to court and we settled on an amount with no fault on either side. ( we did not agree with the amount they were reporting ). We paid XXXX XXXX XXXX the agreed amount. They have been recording on our Credit Report, inconstant and incorrect information for many years. Although the reporting seems to be gone on XXXX and XXXX, it has now reappeared on Experian and it is showing as a charge off in XX/XX/XXXX! We are unable to dispute with Experian, because we have disputed this account in the past. We called and spoke with the collections dept at XXXX XXXX XXXX and they claim it is being reported CORRECTLY! It has been almost 9 years since the charge off in XX/XX/XXXX, and almost 10 years since the first late payment. All our other creditors worked with us through the recession and we did not fail to pay any of them. XXXX would not work with us. They rushed to Charge Off a 20+ year old account that had never been late and now almost 10 years later they are still hurting our credit and they are not willing to help get this resolved. This account should have been removed after 7 years from the first late payment, yet we are still having to deal with this.Please help.
Received a call from this debt that is more then 20 years old. I have received multiple calls. I did n't get a chance to get more information on the debt before he started throwing out repayment options. I 'm sharing to let people know that they need to voice their rights. Tell them you will be contacting the consumer finance department.
My former loan servicer, ACS, never informed me ( after several inquires on my part ) that i was not set up on the correct loan type ( which would be direct consolidation ) to receive XXXX. I asked several times and inquired to make sure ... i was on the right repayment but not on the correct loan. So, now after paying on my loan for 10 years i now have to start over and i owe XXXX more than my original loan amount.
I 'm the creditor FULL DISCLOSURE was not said and once he got my XXXX signature WITH MY XXXX SOCIAL THE DEBT WAS DISCHARGRED SO Y IS DIS XXXX  ASKING ME FOR MONEY THATS DOUBLE DIPPING ON PPL ENUFF TO MAKE ONE MAD TO GET YO XXXX THO dats no longer my debt he is debtor and holder in due course my contract even has a promissory note I signed already u XXXX XXXX XXXX drop XXXX XXXX MY GOLDEN XXXX SIGNATURE PAID FOR XXXX XXXX XXXX XXXX AND Y'ALL NO IT a flight to XXXX  mite sum it all up for XXXX with me the wrong XXXX way anthting happen my fee schedule runimg XXXX keep playing tho.. I want my XXXX and not scared of no XXXX XXXX police 's no recorded line no false tactics the lies and XXXX  y'all do and I 'm retired vet and dis the XXXX thanks I get that 's XXXX ... it 's all fake and fraudulent BUT I 'M A NATURAL PERSON GOSE BY XXXX LAWS BUT YALL XXXX NOT BUT ON OUR EARTH LAND WITH DAT XXXX substantial law to get positive I got y'all XXXX with this lien and u got XXXX to give me my XXXX or else I will run XXXX XXXX XXXX XXXX
I got sick and could not work for 6 months. Wells Fargo would not work with me. They had XXXX their " Home Preservationist Specialists '' work with me. In the meantime, I was back to work and paying them XXXX $ payment, which is XXXX more a month than my payments were. Also paid them every 2 weeks. So, XXXX $ a month.They sent my checks/payments back into my account. I was told all kind of rhetoric by Wells Fargo. They wanted full payment of XXXX XXXX They were not satisfied with XXXX every 2 weeks. What was I supposed to live on if I sent them payment in full? They did n't care. Then they repossessed my house. Now, they are going to kick me out, along with my son. This company is so unfair. Even when I was able to make my payments on time, I paid them extra every month so I would be able to pay the loan out faster. They did n't care about that either.
I 've complained about theses people before. Today at XXXX They left the following message : Hello. This message is intended for??? We 're calling regarding your recent transaction that occurred which involved your bank account. We wanted to make sure you 're aware of this transaction and get your statement before this matter reaches a conclusion and any decision is made. You may contact us at XXXX XXXX XXXX XXXX and reference file number????. We look forward to hearing from you soon.
My card was stolen all of my money gone and. America Express Serve denied my claim XXXX $
The company calls me repeatedly from similar phone numbers. If I answer, the call is immediately disconnected by their system.
This is my FINAL attempt at resolving a serious and financially damaging issues my credit information and scores reported on my FICO 8 and others, with Experian. 
I have tried repeatedly, both with Experian directly over the phone and through faxes and emails, and have had my concerns VALIDATED numerous times and the promise to fix it with Experian employee 's but NOTHING has been done to assist me. 
I have complained to CFPB as well and that has gone unaddressed except for a lame excuse received by Experian and my next attempt at resolving my situation will be with an attorney and a lawsuit. 
I have had to put my house buying plans on indefinite hold until this gets resolved. Any losses I suffer as a result of this gross negligence on Experians part, will be addressed. 
Basically, my credit scores have tanked due to the failure of Experian to show and report FACTUAL information and all that is contained on my credit report. Credit utilization accounts for 30 % of someone 's score and mine is reported as an astounding 93 % despite having, on just the XXXX XXXX credit card alone, a credit line of {$7500.00} that only has a {$500.00} balance on it. That account is purposely being left out of the equation. Also, they are the ONLY credit bureau that is reporting 2 or 3 late payments ( depends on which time and report ) and the ONLY credit bureau still reporting 12 inquiries due to my not authorizing them except for XXXX XXXX and XXXX. 
Experian is in clear violation of the FCRA and I intend to pursue my rights legally unless these issues are addressed IMMEDIATELY since this has been an issue for MONTHS and even after the promise for resolution by Experian I am being ignored.
Attempting a mortgage refinance, property title report came up with a open line of credit from XXXX. Lending bank will not complete a re-conveyance of the loan without a complete copy of the loan which they say I must provide. Nothing on record at county recorders office regarding this loan, lending bank informed me my only option is to get a Title Attorney.
Ad Astra Recovery Services is trying to collect a debt that I DO NOT owe them! I do not have a contract or agreement with Ad Astra Recovery so I would really appreciate it it they would remove the collection from XXXX, XXXX, and XXXX!
I have been a victim of identity theft, and someone used my information to obtain a Loan through  XXXX  thru on-line and other services like mobile phones. This started in   XXXX   when my information somehow was compromised during a data breach or similar because  XXXX ,   XXXX   XXXX   and  XXXX  all sent out warning letters to me. I travel a lot, and during this time I did n't pay attention to my credit report, and now this is affecting everything in my life. I 've processed what is required of me to mend this problem and get it resolved through the proper channels. It 's been over 30 days and still no resolution from my last set of documents.
I contacted Navient in  XXXX  of  XXXX  about my student loans, to say that I was going back to school and that I could n't afford payments. I was told I was in a grace period and that I would notified when a bill was due so that I could call back and have my loans defferred or placed in forbearance. She also told me she would note my account so that they would know I am placing my account in forebarance once the grace period ended.     I was never contacted bout a payment being due. I was never told my payment was late ; I was n't told it was 30 days late, 60 days late, or 90 days late. In  XXXX  of  XXXX ,  Navient  put  9  negative charges to my credit report. I contacted them and told them they never contacted me about a bill or told me that the bill was late. I had n't received anything from them. First, the lady tells me she mailed them. I told her I 've been living my house for 15 years, you did n't mail me a thing. Then she switches and says that they emailed me, I told her that they didnt do that either. She then tells me to dispute it and explain. I did!  Navient  has basically been telling me these past few months that they are not taking it off my credit report. I have asked for proof that they tried to contacted me and after telling me numerous of times they would, they basically said that they wo n't. I was also told that they called me, but they did n't do that either and I check my phones records to ensure that.     I got a call on  XXXX / XXXX / XXXX  from Navient and the representative basically told me he wo n't remove it from my credit report because I am in the wrong. Under their policy they are suppose to contact me when the bill is past due before they report it to my credit and they did n't. They are basically abusing their power, telling me they do n't have to prove to me they did anything and they do n't have to remove anything from my credit report. He also made no sense with their policies and basically told me to deal with my new bad  credit score !     I have done my research on this company, they are abusive to their consumers. REMOVE YOUR LOANS FROM THEM IF YOU CAN! They are not down to help, they do nothing but lie and  XXXX  people over. Its bad enough that we live in a country where we have to go in debt to get an education, now we are getting screwed over even more by having poorly ran companies like  Navient  messing up our credit!
Although I am behind on my mortgage payments, I have been making payments to attempt to bring the loan current. As of my most recent statement, my servicer, Wells Fargo, has inserted a new category, " payment reversal '' to the payment and disbursement summary. My two most recent payments are now reflected as " unapplied funds '' which include P & I, late fees, as well as escrow payments. 

Today I received a packet via FedEx concerning a loan modification. I have never asked for a loan modification. Further, today I was contacted by a notary who represented herself as an agent for Wells Fargo who seeks to notarize the loan modification. 

This is the second time the FedEx/notary " push '' has been tried by Wells Fargo, although the " payment reversal '' is a new element, seemingly to make my mortgage appear more delinquent than it actually is. 

At the first occurrence, in XX/XX/2016, I made it clear in a phone conversation to WF customer service, that I was not interested in any sort of loan modification program. I was told at that time that it was an " opportunity '' prompted by my lender XXXX, but this tactic seems to be an attempt to force this " opportunity '' as a fait accompli.
On  XXXX   2017 , I paid Barclay card a settlement. I have a confirmation letter confirming receipt of the settlement dated  XXXX   XXXX ,  2017 . As of  XXXX   XXXX ,  2017  the account continues to show unpaid/collections on my  XXXX  credit report. When I conta ct Barclay card  they said there was nothing they can do about it.     I was advised by my attorney that they are required to update every 45 days, and I am being denied credit due to this account appearing as collections,  despite Barclay car d acknowledging by phone on  XXXX   XXXX ,  2017 , that the account is paid and when I asked them to update the credit bureau they said " There is nothing we can do about it ''.
My late husband ran up many fraudulent debts in my name before he XXXX XXXX  in XXXX, 2015. Since then I have worked diligently to pay off any debts that could have benefited me, and to protest those that I knew were his debts. His name was XXXX XXXX XXXX. My XXXX score is now Excellent. But Equifax continues to lower my score for no reason. I was affected by their data breaches. I have tried to ask them why they seem to lower my score every time I dispute incorrect information. They show the dispute as a " credit alert '' on their XXXX website, that is free to those harmed by their data breaches. It appears that my score is being lowered as retribution for disputes of bad information. I still can not see results of my disputes because of bad address data on their databases. This is very frustrating and unfair.
Original CFPB complaint XXXX was filed against LexisNexis for refusing to freeze my consumer report. I am a victim of ID theft. 
I received correspondence from LexisNexis in the mail my file was frozen. It however appears LexisNexis used a variation of my last name an ID theft used to apply for credit cards in my name. 
How do I know this file frozen file is in fact my file?
XX/XX/XXXX until now XX/XX/XXXX- I am a victim of fraud. I told the bureau that the phone numbers, address, and names are not me and verbally they advised it was correct. I have found companies that have slammed me ( XXXX ) with incorrect reporting-per them it was open in XX/XX/XXXX for one month but, you cant have to companies - I sent over information of proof that XXXX was the provider which was on my report. I disputed both the utility and medical but, XXXX violated my rights- I provided the information that was request but, the fraud representative stated the had to do what the creditor wanted regardless. So, I was advised that XXXX will do what the creditor advises only and the other person is not has no rights. The agent was rude and hung up the phone. I called back and the next agent after giving them my info did a blind transfer and it hung up. I call again and asked for a manager and was advised no manager was on duty in the fraud depart. Man was rude and state lets dispute it again but, he never did.. I just check.. I have disputed this account many times with all XXXX credit bureus. This account has never been verifiable and is reporting different account statuses and amounts By law the FCRA states all information has to be 100 % verifiable and accurate. This account is not following the law. However, XXXX XXXX dates are not correct and the bureau is also aware and refused to do anything.
XX/XX/XXXXI was checking my account and discovered that my account had been compromised.I reported to USAA Bank and investigation. 

They concluded that it was not fraudulent transactions. The card being used was a XXXX card in my Daughter 's name. Her name is XXXX XXXX and that is the name of the card. 

They also stated that you open an account in her name in USAA. That XXXX account was like 5 years ago once she became an adult she was responsible for that account. My daughter is XXXX years born XX/XX/XXXX. That was told to me by USAA bank. 

During that time she did not have access to my checking account or I gave her my checking account information. I did not open up a XXXX card for her or had this card connected to my checking account at any given time. 

USAA did not give me any factual documents or proof that I gave or consented to these transactions. They said that I had to dispute them and this was not fraudulent claim. I disputed them and they reach the same conclusion. 

I have not spoken to my daughter since XX/XX/2017 we do not have a relationship due to her behavior problems and issues with her life. 

I did file a report with the XXXX County Sheriff department in XXXX, NC and NO ONE! has contacted me regarding this matter. I was told by USAA total transactions was a 109. Four transactions were over {$10000.00}. I believe total taken was between 10 and 20 thousand over a 4 month period. They took out {$9000.00} in an instance and USAA did not ALERT ME! 

on my bank statements it just says XXXX E-PAYMENT and the amount and shows my daughter name. Does not show what store or items purchased.I honestly believe that my Daughter is Responsible for this with her history. 

USAA has not told me is it her that is using the card? Did someone steal the card and using her information may be one of her friends? Since the bank statement does not say City and Location and did not provide me with purchases that was made and what vendors or stores so I must explore all possibilities. 

USAA response in my denial letters is that they have documents or proof that I authorized these transactions. They have not showed to me or presented any factual documents. I still repeat and stated I DID NOT AUTHORIZE ANYONE TO STEAL OR MAKE TRANSACTIONS FROM ACCOUNT USING A XXXX CARD. I DID NOT GIVE MY CHECKING ACCOUNT INFORMATION TO MY DAUGHTER TO MAKE PURCHASES FROM IT! 

My daughter is not on any signature card with my bank account is not an authorized user on any bank account I have ever had and ever will. The only way my daughter received my information she STOLE or FORGE my name!
On XXXX/XXXX/2016 at XXXX, a gentleman by the name of XXXX XXXX called and was asking if I knew a person by the name of XXXX I told him that she was my sister and that I can take a message for her. He was trying to smooth me into a personal conversation and kept trying to persuade me that he is the " nicest guy I will ever talk to. '' He also gave me private information about my sister, which includes her full date of birth, age ... etc I told him that was a XXXX violation and that I did not appreciate him sharing her personal information with me. He just kept talking over me and did not let me get a word in. 

He also told me that he is from the pre-legal department from ACM ( Alliant Capital Management ) and was trying to resolve a serious problem in which will turn legal if XXXX does not contact him as soon as possible. He just kept talking over me, and did not let me speak. He just kept threatening about how he works for the legal department and if XXXX did not contact him, he will persuade a legal case against XXXX 
After arguing with him and trying to get all of his information, I informed him not to contact me any more and hung up the phone. 

I do not appreciate his phone tactics, trying to persuade and threatening me about taking legal against XXXX 
I am not the owner of the debt and personal information about XXXX should have not been shared by XXXX XXXX XXXX XXXX 

His name is XXXX XXXX XXXX # : XXXX Other # : XXXX Company : Alliant Capital Management
with my agreement I was placed in a debt repayment program with Chase. My account was closed. Then, I began to pay on a monthly basis. For the last year, I was paying the amount requested and was sent a one page notification that my checking account would be debited for {$87.00}. Well, I just discovered that I was 90 days late in payments for past due charges and it has destroyed my credit rating. Not one time did I ever get a phone call or mail telling me I was 90 days late. I spoke to them over the course of two weeks and asked them to remove these late charges from my account and that I was willing to repay the past due. They refused. Again, my account was put in a special status where my Interest rate was reduced. Never once was I ever told that my account was 90 days past due.
During the start of XXXX I lost my debit card at a party. Throughout the next couple of days, I go on my online banking app to see there were checks with the amount of XXXX dollars bounced under my name. I file a claim with Bank of America on the XXXX of XXXX saying that I was n't the person using that card to make those transactions. I even have proof of my attendance at my university the day of any transactions on my account. I also found a receipt of XXXX dollars through XXXX XXXX in my dorm a couple of days later with another persons name on my campus. I believe that person used my card after figuring out my pin and information to make the transactions that were made. Please help me, I need to prove that was not me who used that card to make any transaction of those amounts.
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX I am constantly called, sometimes multiple times per day, by this debt collector. 

In XX/XX/2017 I submitted a request to the office to cease with the phone calls and only communicate with me in writing. I have only received one written notice from them. 

Furthermore, in XX/XX/2017 I submitted an offer to pay 25 % of what is due. I never received a written response from them. 

For the last several months, I have received a multitude of calls from this office. Most recently from XXXX Other numbers include are a variation of XXXX
i gave a vehicle away signed a bill of sale and turned in a release of liability to the dmv 6 plus years after i have a report on my XXXX that i have a XXXX dollar debt for the vehicle after it was impounded.i contacted the reporting persons and was told that because the other party had not followed through i was responsible even though the XXXX couldnt find a record of me owning the vehicle.i tried working with this company providing all the info i could for them even though the dmv wasnt able to find my name attached to this vehicle and refused to investagate anything
I contacted Transunion on in reference to several accounts that are appearing in my credit file that contain inaccurate information The following accounts are remaining on my credit file even after I disputed on several occasions, X/2017, X/2017, X/2017 and X/2017. I have supplied my identity theft affidavit along with my identification and a police report and these inaccurate items remain on my credit report. These items have been deleted from the other two agencies. The items are : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.
I am a XXXX veteran, covered by XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX and XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, the Code of Federal Regulations, Title XXXX, Part XXXX, paragraph XXXX ( d ) and XXXX XXXX and XXXX, and XXXX ( c ). 

Original creditor - XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX - was paid by the XXXX {$170.00} XXXX US Government Check # XXXX dated XXXX XXXX, XXXX for emergency medical services rendered to me on XXXX XXXX, XXXX. The original creditor billed the XXXX {$1300.00}. The original creditor was apparently unhappy with the amount paid as mandated by federal law using the XXXX XXXX XXXX XXXX pricer, and then perpetrated on ongoing fraudulent scheme, that continues to this day, of either selling, assigning, or otherwise engaging prohibited services of several 3rd party debt collectors/debt buyers. 

Under current law established by XXXX of the United States, as published in the Code of Federal Regulations, Title XXXX, Part XXXX, paragraph XXXX ( d ) : " Payments made in accordance with this section shall constitute PAYMENT IN FULL. Accordingly, the provider or agent for the provider may not impose ANY ADDITIONAL CHARGE for any services for which payment is made by the XXXX '' You may not bill the veteran or any third party for any balance not paid by the XXXX BALANCE BILLING IS PROHIBITED. 

Additionally, XXXX XXXX XXXX states " Payment by the VA on behalf of a veteran ... extinguish all liability on the part of the veteran for that emergency treatment