WillisBack/dataset-financial-user-claim huggingface dataset:
I discovered that my mortgage servicing company records indicate that I am ahead in mortgage payments. I never intended to " pay ahead '' but have paid money in excess of the minimum payment to be allocated against principal. I requested an audit of the account and for an accounting of payments made and the allocation of those payments since the servicing company bought the account from the original lender in order to validate that payments have been properly applied. They state that an accounting was sent to me and charged {$5.00} for this service ; however, no accounting has been received. I have requested the information be emailed to me. I have called on multiple occasions and written via the website internal messaging feature. To date, I have not received the information sought. My account information on the company website shows only minimum payments received and applied to the account. The website provides only the last XXXX months of payment information, despite a feature that purports to provide XXXX months of information. I want more than XXXX months of information but do not know exactly when they took over the loan. When I call, their automated answering mechanism does not recognize my SSN which sends me into circular query until I have exhausted all attempts. After this time wasting exercise in patience, I am connected to a human who indicates my SSN is properly associated with the account. I have notified the company XXXX of this problem. The customer service representatives are clearly reading a script, are not helpful, and refuse to transfer me to supervisory personnel.
In XXXX we bought a XXXX Mercedes-XXXX ( Vin XXXX ) .And in exchange we put our XXXX XXXX XXXX on trade for this vehicle. The vehicle ( XXXX ) had so many problems, needless to say the car was not worth it. We talked to the company about exchanging it for something else or maybe getting it fixed but they did n't want to help us out at all period. Supposedly after we had already bought it and had for a week they told us that the vehicle that they had sold us was not even part of the company that it belonged to the XXXX and he was selling it there. So since they did n't want to help us in any way we decided to surrender the vehicle back to them, but now we got a letter from Santander Consumer Bank that the XXXX went into auction but we still have to pay and outrageous total of {$15000.00}. We are looking at this as we should not have to pay it because we surrendered the vehicle due to the lack of no help from the car company ( XXXX in XXXX Mississippi ) or the bank ( Santander Consumer Bank ) and also because we had traded in our vehicle as well. All we need is a solution for this problem or some help on what we can do with this situation.
I attended a for profit school known now, but when enrolled was not made aware. I attended XXXX College now closed since 2007. They were part of a Fraud, sued by many and lost the case. Now hundreds of students like myself are stuck with a debt and no valid degree. I went to a bankruptcy lawyer to try and file and they advised there were programs I am eligible to help. My degree is not valid anymore there is no record of XXXX College anymore, I need help for Navient to erase those loans. They refuse to try and help and instead insult me, harrass me, belittle me telling me I owe the money I should have known what I was doing. I was XXXX years old back then my mom knew little english. They knew we couldnt pay it. Please help
I received an email that told me that Direct Recovery. Org is intending to sue me for an alleged debt from XXXX, a company I have never heard of. I welcome a day in court, Where I live. I called and ask for them to send me verification in the mail and was refused! The email list 's an address in XXXX Ca. I have not lived in near XXXX Ca. since 2008.I am afraid that I will be sued without proper notice in a state where I do not live. Any debt incurred in XXXX ca. would be beyond any statutes of limitations, both criminal and civil actions, UNLESS i am not notified of any hearing, then a judgement is possible to obtain illegally.
Good morning, Im writing to complain about XXXX and Experian not removing a public record. I called to verify with the courthouse in XXXX, Ga and spoke with two reps, XXXX XXXX and XXXX XXXX who told me that the Us court does not report bankruptcy to the credit bureaus. I reached out to all three bureaus sharing this info with them and asking them to remove the bk. XXXX removed it however the other two claim they verified the info thru a third party. I have since contacted this 3rd party (  XXXX XXXX ) on three different occasion to see if either XXXX or Experian called and verified this public record and all three times they said no. XXXX, XXXX and XXXX are the months ive sent three different letters to these two credit bureaus asking them to remove these public records due to it damaging my credit profile. In XXXX I was turned down for a mortgage due to bankruptcy. If the Us bankruptcy courts say they do n't report to the bureaus why is it being allowed to damage my credit profile on XXXX and Experian. Please assist me in getting these records removed.
PennyMac received all my completed documentation package prior to 37 days window of foreclosure. They are dual tracking! Declined Buyer offer without counter and continue to process foreclosure. Buyer in good faith has raised offer. PennyMac Buyer offer is very close to XXXX price. PennyMac to put simply is dual tracking and fails to negotiate in good faith ....
XXXX   XXXX   is attempting to c ollect a debt without any legal authority. According to    XXXX   XXXX   , I owe {$290000.00} and I 'm 77 months past due. I have not made any payments to   XXXX   XXXX    since the alleged transfer of servicing of the loan in  XXXX   XXXX .  XXXX  contends they are servicing the debt for the   XXXX   XXXX   XXXX   XXXX   XXXX  .     The   XXXX   XXXX   XXXX   XXXX   XXXX   was the purchaser of the property in a foreclosure sale in  XXXX   XXXX  and is the legal title holder of the property. Bank of America,  XXXX  's predecessor claims I owe   XXXX   XXXX   XXXX   XXXX   XXXX   rent as a result of the foreclosure sale. Bank of America and   XXXX   XXXX   is playing a cat and mouse game to harass and defraud me. It 's impossible to be responsible for rent and the debt that was foreclosed. Bank of America and   XXXX   XXXX   ca n't get their lies in sync. I 'm currently litigating with   XXXX   XXXX   XXXX   XXXX   XXXX   and Bank of America in a pending lawsuit since  XXXX   XXXX  for wrongful post-foreclosure eviction, cancel trustee 's deed, recover title to my property, and numerous fraud claims. I 've attached an excerpt from   XXXX   XXXX   XXXX   XXXX   XXXX   's answer asking for rent in  XXXX   XXXX  during the pendency of the lawsuit. I 'm attaching documents to substantiate my claims. I 've filed over 65 CFPB complaints, review my history. The truth does n't change. Bank of America and  XXXX  in their capacities as   XXXX   XXXX   XXXX   XXXX   XXXX   's servicers ca n't get their stories straight. Of course, it 's too much for the big law firms representing these large financial institutions to admit they 're wrong. They would rather conspire with each to commit fraud to right their wrong.
XXXX XXXX at Scott Coruthers Law Office in CA has called me numerous times about a debt we have no clue is about. Even after we have spoke he continues to call friends, family and other people I do business with saying he is XXXX XXXX from a law office and he is trying to collect a debt. I have prove of the correspondence. This cant be legal.
THE XXXX HOSPITAL BILL WAS SETTLED IN XXXX 2015 AND IT IS STILL ON MY CREDIT REPORT
A review of my credit report shows an erroneous charge by XXXX of {$2300.00} ; for what I do not know. In 2011, I departed my rental unit with all rents paid. Now they seek an enormous sum of money for services I did not incur. They violate the Fair Debt Collection Act and the Consumer Protection Law. Their erroneous credit reporting has severely impacted my ability to live a normal life ; such as rent an apartment or purchase a car.
Ad Astra Recovery has been illegally hording my personal information without this consumer written consent. Purant to the 1974 privacy act Ad Astra Recovery has violated all privacy rights and has allowed my personal information to be leaked due to their false and misleading ways. According to the Fair Debt Collection Practice Act Ad Astra Recovery has collectively shared this consumers personal information to make trillions of dollars by selling it to various debt collector, employers, financial institution, and a host of others. Also, Ad Astra Recovery failed to validate a debt with this consumer and they are not abiding by the law. They have failed to provide validate made to pursant to 15 USC 1692g Sec 809 ( b ) of FDCPA. It has been more than 30 days and now I am asking that this alleged debt to be remove from all three credit bureaus. I am tired of dealing with this unprofessional people and not abiding by the law so my next steps will be to file a complaint with the Attorney General office and to file a class action against Ad Astra Recovery for violation of Fair Debt Collection Act and defamation character.
Portfolio recovery Associates continue to contact me every time they see a number change on my records. I am contuing to receive letters from Portfolio Recovery Associates to make a payment along with the letter it ays Due to the age of this debt, we will not sue you for it or report payment or non -payment of it to credit bureau. 
I was threaten by an associate name XXXX that she will go into my bank account. Portfolio Continue to harass me so much in calls til I started getting chest pains and shortness of breath. Portfolio Associates will yell at you constantly agrue with you and if you hang up the phone they will continue to call you back by phone. I ask them not to contact me they continue to do so my number has been change I applied for credit XXXX 2016 I did not give my number to portfolio Recovery the associates lie about when they purchase the collection. Portfolio Recovery has been harassing me for over 8 years Portfoli Recovery contacted harasssng me as of now. Porfolio Reovery is not listed on my credit reports But I am still receiving data that Portfolio Recovery is still acquiring to all my credit report bureaus, after being deleted from all XXXX credit reports and still demanding payments from me. I sent a cease and desist letter.
Contacted Equifax four times on XX/XX/XXXX. I had attempted to create an online account with Social Security Administration, the morning of the XX/XX/XXXX. It was denied. I called the SSA and they informed me that an alert had been place on me and I would have to contact Equifax to resolve situation. My first four calls were unsuccessful with the automated system, I then was a to chat online to get a phone number to talk to a " real '' person. I talked to the agent who could not answer my questions, Why is there an alert on me, how did it get there and why was I not notified? I then talked to the agent 's supervisor, no satisfaction there, so I talked to their supervisor, still no answers and finally another supervisor, still no answer to my questions and if fact roadblocked to further inquiries. I believe I gave them sufficient verification of who I am and my questions. Equifax should not have a license to do business and I would recommend the Social Security Administration no longer use Equifax as a resource.
I am writing to file an complaint against XXXX, XXXX  and Second Round, LP for : Failing to keep accurate tradeline on my credit report, Refusing to provide Method ( s ) of Verification and information requested by me. Refusing to remove inaccurate tradelines when Second Round LP, did not provide sufficient requested info to back up their claim of alleged debt. XX/XX/XXXX I submitted a dispute with XXXX XXXX XXXX on XX/XX/XXXX I received a letter in response to my request for validation of said debt ; this notice listed XXXX XXXX as the original creditor and second round Lp as the current creditor with new account number XXXX ; listing the account open dateXX/XX/XXXX. In reponse to this onXX/XX/XXXX a request for validation was sent to second round Lp. After reviewing my credit report The issue of inaccurate negative trade lines submitted by Second Round, LP is still being reported. On XX/XX/XXXX I contacted them via phone and was alerted that the said debt had been Transferred to XXXX XXXX XXXX. Second Round LP, did not provided any solid documents to back up their claims. Second Round LP, was not the original creditor and they claimed they purchased this alleged account in XX/XX/XXXX Second round/ XXXX   failed to provide any valid affidavit ( s ). XXXX & XXXX further let Second Round LP to make another/ recent entry to mark " OK '' Current status, next to section 30 days late/ 60 days/ 90 days late, as " an new information '' / reply to my dispute. I did not make any payment to Second Round LP ever. This company, Second Round LP, which I hold no contract with nor have received any goods or services from, coninues to report collection accounts against my social security number in the amounts of {$3000.00} to XXXX  & XXXX  credit reporting agencies. I requested verification and validation of the alleged debts from both the credit agencies and Second round however the business failed to provide adequate proof/validation. This business does not have and has never had contracts with me for goods or services. They have not provided adequate proof of any obligations to pay the alleged debts. Account level detail and billing information is not valid proof of a contract. Where is the binding contract showing that I allegedly owe these debts? This company is in violation of the Fair Credit Reporting Act because they are reporting inaccurate and invalid information to the credit bureaus under my social security number. I demand that they remove all accounts from my credit report immediately, and cease all reporting in the future. Second Round LP is in violation of the Fair Debt Collection Practices Act because they are trying to deceive me by providing non verifiable and invalid information in order to collect money on debts that they are alleging to be mine without any contractual proof. This company did NOT provide me with a copy of any signed contracts for goods and services. I would like to have the inaccurate negative tradelines submitted by Second Round LP, to be removed from my credit report. Thank you.
I had a Pay Day Loan with XXXX Net Pay Day Advance on XXXX/XXXX/2013 which I had been paying regularly with the help of XXXX XXXX XXXX XXXX An accounting error occurred in the disbursement of funds which was immediately corrected and the automatic re-payment continued from there on until the account was paid in full. Payment was missed only for 60 days but was subsequently paid in full. In spite of the account already had been paid satisfactorily, they continue to keep the derogatory remarks in my credit report. The collection agency had agreed with XXXX XXXX XXXX XXXX that such entry will be deleted upon payment in full. It has been more than 3 years now since the account had be paid and they are still carrying the derogatory remarks in my credit report.
I have accounts that was not reported to the credit bureau that would make my credit score better. I purchase and paid off three vehicles that was not reported to the bureau and was closed without being reported. I contacted XXXX XXXX/TD Auto Finance and XXXX XXXX  to correct their records and update with all 3 credit bureaus. I am submitting supporting documents that there was an error on there part and they still to date has not corrected on the credit reporting side. I need assistance in getting this corrected. Please note the vehicle purchases were high amount well over {$70000.00} totaling the 3 together. Which paying these items off with good standing would have made my credit score much better. I need my credit report to reflect these purchase and pay off in very good standing. Attaching all 3 credit reports as proof they are not  included on my credit report.
Transunion continues to report information on my credit report that does not belong to me. My report number is XXXX. 

The bankruptcy filing listed is not mine. I will need proof that is does not belong to someone with a same/similar name or the signed papers since I am not a party to this. 
I am asking for the method of verification under FCRA Section 611 ( a ) ( 7 ). The federal Fair Credit Reporting Act states that I may request a description of how TransUnion verified the information, including the business name and address contacted and the telephone number if reasonably available. 
Additionally, XXXX is reporting a trade line when I have never had a credit account with them. It shows as {$0.00} limit to begin with on the report. XXXX has refused to send me verification of this debt on numerous occasions as well as to regulators ( a copy of which is attached ) I intend to sue for willful non-compliance under FCRA 616 if this dispute is not researched and the requested documentation furnished. 

I am requesting that these XXXX entries be investigated and removed. 

Thank you.
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late as of XXXX 2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
I noticed in XXXX that my credit report contains late payments reported on XXXX andXX/XX/2016 for my XXXX   student loan accounts. At the time, I have attended XXXX XXXX College ( now XXXX XXXX University ) in the Spring of XX/XX/2016 and XXXX XXXX University in the summer and fall ofXX/XX/2016. As a student attending classes at least half-time during those period, my account should not have entered payment at that stage. However, even after contacting XXXX regarding this issue, as well as sending their credit bureau management team  relevant documents showing that I was a student at the time, I have not gotten a single response from XXXX team.
Hello, my name is XXXX, An account was opened back in 2011 with XXXX XXXX XXXX Bank back, it was a result of ID theft, and the account was later charged off to Portfolio Recovery Associates , LLC, anyways XXXX XXXX ( Now XXXX XXXX ) has done an investigation and decided it was a result of fraud, and they have removed their tradeline from my credit reports, but Portfolio Recovery Associates , LLC refuses to remove their collection tradeline. I will attach a scanned copy of the letter they have sent me confirming the investigation.
This is a follow up complaint to the previously filled complaint # XXXX.

I rented a car online during my trip in XXXX during my trip in XX/XX/XXXX. During this trip, I got a minor vehicular rear bumper damage & later I was charged {$1000.00} for this minor damages.

I complained about it repeatedly to the Bank of america for being overcharged in addition to the fact that the damages supposedly were to be covered by the Car rental waiver program for which my bank of america Credit card was part of.

But Bank of America denied my claim.

Later the XXXX XXXX XXXX XXXX compensated part of the damages by paying me only {$880.00} & stating the XXXX XXXX XXXX   has overcharged me as much as {$240.00}. ( the copy of the XXXX XXXX XXXX   is enclosed ) I wrote back to the Bank of America, but it was right up front denied once again.

Needless to say that I paid the total charges of {$1000.00} to the bank of America.

I am very unhappy with the way this bank has responded to my complaint.

They never responded to my specific complaint, rather each time simply sent me a general letter stating that they did not find any fraudulent charges on my account by XXXX XXXX car company. never ever addressed any of my specific disputes details.

I am requesting the Bank of America to reopen this dispute with regard to XXXX XXXX car company for the amount of {$240.00} and give me credit for this amount, since it is obvious that I was right all along and the bank should have investigated my complaint/dispute more carefully instead of sending me repeated general denial letters without referring to any specifics of my complaints.
I ask what they are calling about. Wont provide me with any information about said cause. They call my family and have even started contacting my in laws. They call me and my family everyday. Threatening that they have a case against me and that failure to respond will result and arrest. They sometimes call from a blocked number.
Trans Union is not responding to my requests to investigate and remove one account that does not belong to me from my credit report and three accounts that are reporting incorrectly.
I have an institutional student loan serviced by ACS Education ( http : //www.acs-education.com/ ). As of a week ago, I began receiving emails at different time points regarding temporary verification codes after the implementation of two-step verification. Of note, I have n't tried logging in in the last week. I emailed ACS 's customer service email through their website and have not received a response. I called customer service right now and am told that these emails are automatically generated, are normal, and that there is nothing to worry about. 

To test this, I tried to log in with an incorrect password and no email was generated. I logged in with my correct password and the verification code was sent. I have since changed my password. This is not consistent with what their representative told me, so the representative was either dishonest or did not know better, both of which are responsibilities of the company. 

I think that ACS has not been forthright and an agent other than myself has been logging into my account without me knowing. I would like to know what, if any, information was compromised, and if the recent changes in implementing 2-step authentication were prompted by known activities beforehand.
Received two calls ( with automated messages - no info about the debt ) within an hour on XXXX/XXXX/XXXX at XXXX and XXXX. I have not received any written letters about any debt that I owe.
On XXXX/XXXX/2016 at Sam 's Club in XXXX, DE, Sam 's Club Master Card issued by Synchrony Bank declined credit on my intended purchase although for years I and my husband paid our bills on full and in time.
Received a phone call from XXXX lady said she was from apex and I was to call XXXX XXXX XXXX I called spoke to XXXX XXXX He said he was from a litigation group in XXXX XXXX XXXX said I gave him the collection number I was given XXXX said that he was trying to collect from a debt XX/XX/XXXX from Providian Credit cards Said was written off XX/XX/XXXX. This was well over the 4 year Statue of Limitation in XXXX. I told him that I did not know anything about this and that he needed to send me any information in the mail certified. He also said that he was going to sue me in court regarding this matter.
Delete, delete, delete.. ALL bureaus are suppose to have physical copies of all documentation from the creditors for the accounts they choose to report. So by not having a sign contract with a third party collection is illegal for them to collect on a debt, that 's " not contracted '' with them. Last but no least, THE RIGHT OF SUBROGATION DOES NOT EXIST FOR A STRANGER TO THE TRANSACTION. 73 AmJur 2nd, Section 90. 3rd party collectors are NOT ON ORGINAL CREDITOR CONTRACT! Never sign a legal binding contract : .Cant show internal verification, so please delete immediately. " so Canceled contract '' as another dispute reason .They do not have a contract with the entity they purchased the debt from along with contract rights.
This company sent me statements of an account that did not have my name on it and an address that I have never lived at. I have asked them to provide me with a original contract with my signature and a complete accounting from day one until current. I have never received anything but some statements that we not mine.