WillisBack/dataset-financial-user-claim huggingface dataset:
This Debt Collection Company called Credit Systems continues to hound me for {$39.00} dollar debt that I know for a fact is not mine. I did not receive any medical attention back in 2014 at all and they claim that I owe this bill. I feel this company is out to damage my reputation and my credit score and report. 

I will not accept this debt as mine unless the debt company can validate that this is indeed my debt because in my defense this is not my debt
I have been paying on my son 's student loan for 10 years now through my social security check. It started out at {$2000.00} in XXXX. I have paid {$17000.00} at this time. They say that I have a balance of over {$5000.00} left. Now I find out that my son has been paying 15 % every two weeks from his paycheck being garnished. It has been this way for him for 2 1/2 years now. They tell him that his will not be paid in full until XXXX. Something is not right here and drastically wrong.
Dear, CFPB I am making a complaint for XXXX, XXXX, XXXX, and Kimball tirey st John.  There is a debt from the creditor which is kimball tirey st John original creditor which XXXX XXXX XXXX XXXX in XXXX XXXX XXXX I have a document saying the creditor agreed to delete this account. As of today it is XX/XX/XXXX XXXX, XXXX, XXXX  has not deleted the account which is violating FCRA statue of limitations and can possibly be sued and fined for {$1000.00} per each. I am having difficulties with all 3 bureas and creditor that agreed to deleted in it's still not deleted as agreed. They also increased the balance to damage my report after they agreed to delete, what they do is increased and decreased which damages a score. This is a violation under the credit act.. This must be deleted immediately. I will upload the page from XXXX and current updates for my proof in case I have to proceed with litigation and violation fines.
I looked at my credit and I see that there is a debt of XXXX dollars. Called 1st federal collection and they ca n't find me in the system. I never received any mail in regards to this. Need to be fixed asap
A month ago, I contacted Trans Union to investigate a debt of {$6000.00} that appears on my credit report that does not belong to me. The debt is with XXXX XXXX XXXX in Illinois I do not know about this institution, since at least in Puerto Rico I have not seen. 

The first time I heard about this debt, it was 2 years ago that I bought a vehicle and the debt appeared in the credit report but approximately {$700.00} at that time. At that time I sent an email to the XXXX XXXX XXXX   and and they answered an email that they were going to investigate and I did not do anything else because nobody told me what I should do. 

Last month I went to the bank to apply for a personal loan and when they looked for my credit report, the debt had grown to {$6000.00} aproximately!!!. 

I am totally devastated because I am an honest person and my payment history with the institutions in which I have an account is excellent and I have never paid late. Probably someone stole my identity I live in Puerto Rico and have never had contact with XXXX XXXX XXXX. I need you to investigate if there is another person with my same name.
I have called XXXX in XX/XX/2018 about having my pay collection account take off of my report. It have been 41 days and it still on my credit.
Keep trying to get on an income driven repayment plan. They put my loans in forbearance and I can't find where to apply. I've asked multiple times to send me the link. I get a link but then can't find where to apply. It's just a link of f.a.q.s
In XX/XX/2018, Bayview acquired the loan on my home from XXXX. When I contacted Bayview via phone on XXXX XX/XX/2018, after having already spoken to XXXX, I was informed I would have a 60-day grace period before my first payment with Bayview. Evidently, this was not the case. I filed a complaint with CFPB to obtain assistance with resolving the issue and began paying the arrearages. As I had stated in my previous complaint, I had been unemployed for several months the previous fall and had fallen two months behind on payments when Bayview acquired the loan. By XX/XX/2018, my employment was steady and I was able to make additional payments. Between XX/XX/XXXX and XX/XX/2018, I made four payments to bring the mortgage current and pay the two arrearage payments. The statement attached shows a payment made to XXXX in XX/XX/XXXX, as well as the payments I have made to Bayview. I am confused how Bayview can hold my payments in suspension, changing the monthly payment due from {$400.00} ( XXXX ) to {$430.00} ( Bayview ) without signed documentation, or at least a refinance / modification request. After much research, I found that Bayview was fined and found at fault with another mortgagee who attempted, in good faith, to work with Bayview, but the appellate court found Bayview to have engaged in " deceptive '' practices. This is why I need the assistance of the CFPB.
I started receiving calls from ERC collection company about a enormous phone bill from XXXX for a period in which I did not live in the country. Besides many attempts of explaining the situation ERC posted a collection on my credit report resulting in my scores being lowered and bad credit history. Inorder to settle this matter amicably I agreed to pay ERC a negotiated payment so that they remove the unjustified report from my credit history. They collected payment from me however they now refuse any form of communication and my credit score has been below good which is effecting my decision.
They called saying that they were law enforcement threading me, saying that there is a warrant for my arrest, that I will be going to jail and Ill be sued
Auto loan paid in full. Balance is 0, account is closed. Lender keeps calling 3 times a day, everyday.
My medical bills that went to collections with XXXX XXXX XXXX in XXXX/XXXX dropped off in XXXX and now TransUnion is reporting them again.
XXXXXXXX XXXX XXXX Credit Card through XXXX XXXXl On XX/XX/XXXX, I called XXXX XXXX to initiate a name change request and to report that I had found out my identity had been compromised. I spoke with a customer representative would initiated the name change request and mailed a form to my existing address. She then transferred me to a fraud specialist who said that can put an alert on the account to verify additional information before making changes to the card. There was no mention of never to be able to make changes to my account. I would I received the form to make the name change and mailed it along with the copy of drivers license as requested. 

I then received a letter from XXXX saying that the can not make the name change and to contact customer service. I also tried to log on to make a payment and my online banking had been turned off. 

On XX/XX/XXXX, I called XXXX and spoke with multiple customer service representatives. After an hour long call, the Fraud rep stated that no changes could be made to my personal information due the compromise of my social security number I reported. However, I was free to continue to use the card under my existing name. I asked how that made any sense and what would happen if I was requested to prove identity at a business while using. I asked how I was to receive a statement as my online banking was turned off. I also asked how I would be able to change my address, if I were to move and had a balance as the alert on the account would not allow for any changes. She was kind and apologized but stated there was nothing that could be done because the " higher-ups '' put the restriction on my account. I asked if there was a phone or a way to contact the " higher-ups '' and was told no. 

I have been a customer since XXXX. I was able to provide a correct answer to identity and card verification. I also have used the same cell phone number for the same number of years. I own the home I live at and could provide a deed and other pertinent records to document my name. Also, even with the fraud, my credit was still in good standing with no high balances or late payments ( even on the two fraudulent cards that were reporting as I was able to resolve quickly with those creditors ). I can show that I have been a customer who has made all payments and utilizes the account as needed. 

I also spoke with the XXXX, IL XXXX Illinois XXXX to see if they would be able to submit a request or provide me with more information to see if there was a way around the " alert '' that was placed on the account.
I leased a car for 3 years and the lease is coming soon to an end.At the end of the lease i have the option to return the vehicle or buy it.The lease agreement stipulates that : '' PURCHASE OPTION AT END OF LEASE TERM.You have the option to purchase the vehicle at the end of the lease term for {$12000.00} and a purchase option fee of {$350.00}. " South East Toyota Finance, the leasing company is asking me for {$13000.00}, motivating that the difference of {$1100.00} are " taxes and fees ''! I would like to know what my right XXXX are!
I was told by the credit bureaus that the original creditor rejected to remove any negative reporting as well as updating my balance to reflect XXXX despite providing me with a letter stating they would do so. I feel the creditor is sending me in circles because when I call to check the status of my dispute and to get more info on the process, they say that my account has been submitted to their sector that handles these claims and there is no way to speak to them and I have to just wait for a response. This has gone on for a number of months and I do n't believe this is legal or right to do so. I feel I have taken the steps provided to me and still nothing has happened.
After a long struggle I was approved for a loan modification for my Bank of America home loan which was originally a countrywide loan. I made the trial modification payments and XXXX regular monthly payments. 
I received a letter standard delivery mail on XXXX XXXX from Bank of America, that my loan would now be serviced by a XXXX XXXX XXXX XXXX on the following month, with not much detailed information. 
I followed my mortgage details online on the BOA website until no loan data was available on the XXXX ... and still no letter from the new service XXXX. Concerned I called Bank of America at the beginning of XXXX, who gave me no information other than the number of XXXX. I called the XXXX help line on the XXXX of XXXX and they said I should receive a welcome package, and I asked for the website information. 
I immediately navigated the website which was difficult to find where to create a new customer account only to find it could not be done yet. I tried again on XXXX and was allowed to create and see loan information. In that loan information the loan shows an addition to the recent principal of XXXX $ with no explanation of the fee, just named principal adjustment and it also shows the next interest adjustment as XXXX with no info as to what that will be, and certainly not what my modification agreement detailed. Still no welcome package received ... no statement, no information about the additional fees or who agreed to them. The original principle of this XXXX loan which at the peak of the real estate boom has now climbed to XXXX with the new servicing extortion. 
I am feeling completely victimized by this process from the original countrywide loan, to the incredible hurdles to get the modification, and now be at the mercy of more predatory loan nonsense. It 's uncontainable. I went through the home loan modification program with hope that my own tax money would help correct the injustice that was this home loan from the start, only to have the relief of being " approved '' to now be just a gateway to more predatory practices.
My complaint is about Professional Financial Service. They refuse to give me that information. I 've had problems with this company before. I had to call my local whistleblower to get my car back. They illegally repossessed my car and then tried to charge me XXXX times the amount that i owed. This was all over insurance no missed payments. I paid what was owed minus the tow fee which the President said i could pay at the end of the term. I have paid my car off and as of today i have not received my title. To make matters worse they charged me a extra XXXX in late fees. When i call the company there very rude and dont want to listen. I asked if they could switch payment dates to the day i was paid and they refused which they have a right to do. I had XXXX late payments per there contract if the vehicle is used for personal, family, household etc ... the late payment should not be over XXXX. I use the vehicle for all of the above. For XXXX late payments the fee should have been XXXX which i paid at the end of my term a long with the tow fee and the last payment for the month. This was all paid in the month of XXXX. I received a phone call after that saying that I owed a extra XXXX. When asked why she was rude and said they charged me interest on my late fees. I told her thats not what the contrat stated. She said pay the fee or there coming to repo the car. I paid that fee also. I have no clue of what that was for but i paid because i know they will come get your car. I have a copy of all my money order payments and a copy of there contract. My insurance agent also notified them that i had insurance yet they was still charging me for that also. I have all documents. As of today i have paid all fees and fees that i was not suppose to pay and I still dont have a title.
Suntrust Bank is avoiding completing the short sale process. We were clear to close in XXXX 2015, when the bank " just '' noticed names had changed due to marriage & divorce ( this should have been caught up front, I provided a marriage certificate in XXXX 2015 when this process was started ). In XXXX 2015, we were needing an updated approval letter from Suntrust to bring this short sale to a close. Suntrust representative XXXX XXXX replied that the short sale expired XXXX XXXX, 2015 and we were outside of contract. Now the bank is not responding to the short sale coordination team. We have been working with the bank for a year now with no resolution. The short sale coordinator has well documented notes of all communications with Suntrust ( and XXXX as the XXXX involved ). 

The resolution desired is to complete the short sale.
XX/XX/XXXX my credit card was stolen and was used to make a fraudulent charge. I received notification of suspicious account activity from my credit card company and confirmed to them the charge was fraudulent. They refunded the fraudulent charge in a few days. XX/XX/XXXX the charge reappeared on my credit card. I contacted the credit card company about it and was told that they had concluded their internal investigation and deemed that the charge was valid. It has now been over 2 weeks since the charge reappeared on my card, and they have provided me no evidence to what led them to the incorrect conclusion that the charge was valid.
I was contacted by a Law Firm ( Lyons, Doughty and Veldhuis XXXX ) in regards to a debt owed to XXXX XXXX Bank. 
I immediately notified them that this was not my debt and that I would like verification. ( Proof of fax receipt enclosed ). They then sent me a copy of a XXXX XXXX Statement with a name XXXX which I am not and have never used. Included was a typed letter with a notary stamp ( not raised ) that named not XXXX. But me with my address. I can only assume this is a deceptive practice used by this firm. 
I sent them another response stating that this was not my debt. They filed court action and I would not sign for the registered letter because it was addressed to XXXX. Shortly thereafter I received registered mail with the XXXX removed ; I can only believe this to again try to deceive me into paying a bill not owed. 
I have contacted XXXX XXXX Bank at XXXX and after they asked my birth date and last XXXX I was told that it is not my debt. I asked for proof and they said they would not share that because it was not me they were collecting from. I told them about the suit being brought and the response was just tell them it is n't you. ( Conversation all on tape ) If I could find out that easily, I would expect a law firm to do the same. 
I was told by the superior court ( Docket No. ) that I have to pay court costs to respond to this phony lawsuit. 
I just received another letter in today 's mail ( XXXX ) telling me to pay the bill because I am being sued.
I was short on student loan money years ago and signed with the former XXXX XXXX ... I still have the documents that I signed and co signed with my mother who passed away. When my mom passed I started reviewing finances, and discovered that I had well over paid XXXX, yet they continue to harass and even called my new job. They say something about interest each time I call to work something out, they begin to argue and threaten. I even have my bank statements where they were paid in full. This company is complete fraud. They will try to destroy your life no matter how much you pay them, they continue to try to destroy your credit. I have all the bank statements and original loan information that I signed. Both are very private documents, but I will be happy to forward them over with trust. I signed the document on XX/XX/XXXX for a XXXX loan with XXXX XXXX, which is now XXXX. I had a interest rate of 14.250. I began paying on this loan in XXXX and my bank account can only go back 7 years, but I have been paying them for 10 years. My credit report states that I borrowed {$4000.00}, and I have paid the company {$9000.00} or more, I was told to stop payment in XX/XX/XXXX because the balance was still over {$6000.00} dollars. The company continues to tell me that I owe them, they have went against my perfect credit, they literally harass my family and my job. They refuse to send me documents explaining where and how I owe this so called interest. They have been paid 100 % percent interest and more.
I previously have a private student loan with  Discover   Financial Services i n the amount of {$49000.00}. I also have a private loan with  XXXX  which is about the same amount along with the federal loan in excess of {$30000.00}. I incurred these loans during my 5 years in college between the years   XX/XX/XXXX -   XX/XX/XXXX . Six m onths after graduation All lenders began to request monthly payments. The combined amount was over $ 1000 monthly . Discover requesting  {$480.00} a month. Unfortunately, this was a hardship. I spoke with  XXXX  along with my mother who cosigned the loan and I was able to come to be enrolled in a program that affords me lower payments. T hen I called Discover to  see if I could get the same kind of arrangement once I explained my hardship. I was told on numerous occasions that there was nothing that they could do to assist me. Disappointed I just sent all the lenders what I could afford. I just received a letter that my loan wit h Discover has b een sent to a collecttion agency  XXXX   XXXX . I called them to explain my plight and see if they could assist with lower payments. I was told that I would have to pay {$9800.00} as an initial deposit and then {$1100.00} a month for 36 months then they would lower the payments.   If I had that I would n't need there assistance. Its a no win with them.
Someone in XXXX apparently contacted XXXX and used my credit card number to subscribe. I do not know how they got the number because the card was not out of my possession. 
Chase Bank contacted me via computer telephone message telling me that I owed about {$60.00} or some such amount. I then followed prompts to speak with someone at the bank. I told them I knew nothing about why I would have any balance because I had not used the card for years. They had also tacked on late charges -- since I never received a bill of course I had not idea that any money was owed. I contacted XXXX after being told that the charge for XXXX. They told me that someone in XXXX had given the number. They asked me if I knew anybody in XXXX. Never been there and never known anybody from XXXX. 
Finally at one point Chase admitted the charge was fraudulent but they had not removed the late charges for the unpaid bill, a bill I had never received and had no way of knowing that someone in XXXX had used the number. 
A couple more phone calls to Chase did not resolve the number. The last time I was switched to XXXX different people becuase nobody could remove the late fees on the fraudulent charge. I have spent several phone calls and many minutes, all because Chase is not willing to remove charges, even after they admit them to be illegitimate,. This organization is unlike XXXX XXXX or XXXX XXXX XXXX in dealing with fraud issues. Never have I been treated so shabbily because some merchant accepted my credit card number for a fraudulent charge. IThis company does not deserve my business but I have heard that closing an account such as this will lower my credit score.
XXXX XXXX is reporting a false, unvalidated account on my credit report. I sent them certified letter on XX/XX/2018. To which they responded with their own account summery with does not meet Fair Debt Collection Practices Act requirements for validation of debt. The did not provide any proof of any signed agreement I had the the alleged original creditor. 

Not only did they fail to validate this debt with in 30 days as required by law, they also took collection activity by adding erroneous accounts to my credit report. 

I also sent them a SECOND certified letter on XX/XX/2018 to which they have ignored.
XX/XX/XXXX I filed Chapter XXXX bankruptcy. I was not late or delinquent on any of my accounts during this month. I was actually only late on 2 accounts in the past 5 years. 

Prosper is reporting me Negative XX/XX/XXXX, the month I filed Chapter XXXX. I filed a dispute and there was no change. They reported back to the dispute that everything was correct. This is showing as a negative account on my credit report and is absolutely not correct. It also is showing no payment history from XX/XX/XXXX-XX/XX/XXXX.
OnXX/XX/XXXX I submitted correspondence by certified mail to XXXX XXXX because of suspected fraudulent activity by the bank. I have delivery confirmation from USPS that XXXX XXXX received the letter. They have refused to address my concerns by remaining silent and have continued to seek payment. I have revoked my signature on the application as a result of un-rebuttal about the matter concerning the fraud. Attached you will find an unsigned copy of the letter I submitted to XXXX XXXX on XX/XX/XXXX. Additionally I have submitted a sworn under oath, affidavit on XX/XX/XXXX with delivery confirmation and PROOF outlining the fraud and revocation of my signature from the original application as the law permits under fraudulent acts. XXXX XXXX has continued to remain silent about addressing the bank fraud. As a result this account is null and void. Further credit reporting is in violation of the Fair Credit Reporting Act and all parties responsible being Ally Financial and Experian, XXXX XXXX, and XXXX will risk a lawsuit with the state and federal courts for damages of this illegal activity.
I filed  Chapter   XXXX  Bankruptcy in  XXXX    XXXX   on a home mortgage and the credit report reads a outstanding interest accrued amount instead of a status of discharged through chapter  XXXX  bankruptcy.