WillisBack/dataset-financial-user-claim huggingface dataset:
I received a payday loan from XXXX XXXX XXXX and incorrect amounts were with drawn from my checking account on several occasions. After speaking with XXXX XXXX XXXX it was noted that I applied for 2 loans which I had not. They informed me that it would be corrected and I did not have anything to worry about. My original the account was paid in full and should have never been forwarded to a collection agency. I informed AD Astra via certified mail and they still are trying to collect and this account remains on my credit report. The 2nd account must be and err or fraud.
I am in the process of rebuilding my credit and recently pulled my credit reports from XXXX, XXXX, and XXXX and noticed a debt that I believe that I do not owe. The company attempting to collect the debt is National Credit Systems. I do not believe that I owe this company or the original creditor which is XXXX XXXX. Apparently this is a joint account which I was " allegedly '' a co-signer. On XXXX.19 I sent National Credit Systems a debt validation letter requesting " validation '' as opposed to " verification. '' I have attached the response that was sent to me on XXXX.19. It is my opinion that what they sent me was not " validation ''. The company failed to provide me with a copy of the contract between me and the original creditor ( with a wet signature ). All they sent me was a statement from the original creditor, and a lease agreement that does not bear my signature.
ACS has not been in contact with me consistently since I needed to start repaying back my loan. When I contacted them, they had the wrong address and updated me on payments. When I called to make my first payment, I was told I qualify for a cancellation, all I had to do was fill out a form and get a paper from my principal that said I was a XXXX at the school I teach at. I mailed in the documents and I was denied. I was then told I needed documentation that was on an official letterhead head, an official seal, & the date signed. I got that paperwork and heard nothing back until I received more documentation two weeks later saying my loan was going into collections. I called and immediately threw a fuss because I had done everything they asked. They told me in order to get it worked out, my principal needed to specifically state " XXXX, '' I protested by saying that no place in America has " XXXX '' teachers and me having to do that was unnecessary. I went back to my principal a third time and requested that pointless piece of documentation and sent it off. I thought I was in the clear until today I check my mail and see that again I am denied because the date on the documentation was incorrect. I am being harassed and threatened. I am being made to feel like I have something to hide and that who I am is not adequate. I have spent the last five years earning XXXX degrees and the amount of titles I hold XXXX would show I am clearly XXXX and an important one. I have been belittled and chastised by ACS and disregarded for. Their communication is lacking, and their flexibility is none-existent. If anything, it seems as though they want me to not go through with this process although I was advised to. Not to mention, all of the information they require is verified by the state. All of my credentials and positions are public record yet they refuse to take that initiative. I am using this time to file a complaint and contacting my lawyer.
I have been trying for months to get in contact with Navient and the calls keep getting routed to a voicemail box to leave a message.  I have left messages and no one has returned my calls.  In XXXX, I called the "XXXX XXXX XXXX" number they provide on their website and was able to get in contact with a person.  I explained to her my dilemma and she looked up my "account".  She was able to tell me that my "account" has been deferred to a collection agency and I need to get in touch with them; this was all the information that she could provide on my "account".  She gave me their number and attempted to transfer the call but said no one was answering.  I have tried calling this collection agency over and over again and no one answers.  I am trying to resolve this account and no one is available to talk to.  Leaving me to believe that this loan may be fraud.  I am now requesting help in demanding information pertaining to the Original Loan Agreement I signed and the amount.  If they are unable to send this information, I demand this account be closed immediately as it is negatively affecting my credit.  It is unfair and harmful to attempt to collect a debt that cannot I cannot verify, negotiate and/or settle.
On XX/XX/2019, a collection account in the amount of {$400.00} was added to my credit report from a company I have never heard of, nor have I received any documentation stating that I owe this debt. Midwest Recovery Systems is the name of the company. They claim they are collecting a debt from a company called XXXX XXXX XXXX, who is not a company I have done business with. Searching online, I have found this is a severely fraudulent company and many others have had this same situation happen. I disputed it with XXXX, but they did not complete a thorough enough investigation and left it on my credit report. On XX/XX/2019, this same debt was added to my XXXX  report. I am in the process of disputing it with them also. 

Reading these reviews, I have found this company also has violated many collection laws with some threatening arrest and so on. It makes me think that this is the same company that reached out to me a few months ago at my work, telling my boss that I was going to be arrested for not paying a debt. I ignored them because I knew it wasn't true. It all sounds connected to this fraudulent activity on my report now. At that time, I had filed a complaint with the FTC and Attorney Generals office for the State of Michigan. After that, I never received another call. 

I do not understand how this can happen. There needs to be better accountability by the credit bureaus to protect consumers from this type of action that can affect so much in our lives.
On XX/XX/XXXX 2017, I called syndicated office systems to payoff all medical bills. One was for a {$100.00}, then another one for {$90.00}. But when I told her about the one for {$80.00} she told me she had no record of it, and if I wo n't it off my credit report I must Dispute it. I ca n't dispute it without a account number, and ca n't pay it. Because it 's not on there system.
Im finding it difficult to believe that after paying what this company was asking for. They're continuing to display this account on multi reporting services. While talking a representative I inquired about the removal of this from my account because of its effects on my score. The accounts impact on my score is still seeing the impact when its been over half a month now.
I presented a check to XXXX XXXX which cleared their electronic screening. I immediately deposited a check presented to me as reimbursement ( mobile deposit ) the same day. BB & T held the deposit for 3 days. In the meantime, my check was returned NSF and I was charged a XXXX charge. Today, I check my account and see where BBT list my mobile deposit as " available '' and " posted '' on XX/XX/XXXX. This is beyond misleading. If the funds were not available according to their policy, why do they present the deposit on my statement as being available for withdrawal? In actuality, the funds were there. 

Also, They do not disclose the check that was returned in order that the consumer can get matters straight with the bank or merchant. Because of this, the check was presented a second time. Check in the amount of {$320.00}. I am not understanding how a check can be returned and the ending balance for the day be over and beyond the check amount plus charges?
On XX/XX/2018 I was supposed to receive my payroll direct deposit. My funds were sent by my payroll department on XX/XX/2018. I have contacted Bluebird by American Express and they are claiming technical issues. When I called XX/XX/2018 I was told it would be fixed and my funds would be received by midnight. Midnight came and no funds, now they are saying they have no ETA on when we will receive our funds.
My report shows XXXX collection account. This account does not belong to me. I have submitted disputes twice, and was advised both times " ... disputed account or inquiry is currently not reporting on your Equifax credit file ... ''. I am currently staring at the report provided by Equifax which shows the account in dispute that they repeatedly claim is n't showing. 
Equifax is currently in denial of reporting erroneous information on my report as I read the disputed information from the report provided by them. Mistakes happen, but too many folks are n't doing their job. I find this situation, at best, lazy and at worst disingenuous.
XX/XX/2016 my son 's computer was taken over by hackers. They were in the computer that why his IP address was on all the fraud charges. They ( the hackers ) were in his computer and his accounts. 
The very same day he had bought an item on line for {$40.00} and he used XXXX but the underlying credit card was a Citicard. You will see when he was hacked on XX/XX/2016 the charges were about {$2800.00}. All the charges had been reversed by Citicards. 
This one merchant filed paperwork with XXXX and provided fake paperwork that showed that the merchandise was delivered between XXXX-XXXX on XX/XX/2016 to our house. When XXXX received the information from the merchant they went ahead and charged my son 's account on his Citicredit again. 
Citicards refunded the charge for {$40.00} that was a charge that was made by my son. Every time I spoke to them I was told that the refund had been made. They keep insisting that the {$40.00} is a correct refund. The {$40.00} has nothing to do with the fraud that we are trying to have corrected. 
My son works at XXXX as a loader. He clears about {$300.00} in a good week. He is a part time worker. He has no need for Bitcoins. That what the merchandise turned out to be. 
My son XXXX card was also hacked for about {$1500.00}. XXXX credited the account in a timely matter. The hackers also cleaned out his checking account and he was under water for about {$5000.00}. We had this money restored by XXXX within a few days. 
It was a major hack that involved XXXX credit cards and a checking account.
To whom it may concern : Last XX/XX/XXXX. I book on line with a round trip ticket for the month of XX/XX/XXXX.  With XXXX XXXX XXXX New York Phone # XXXX. And they took the amount of {$2200.00} transaction # XXXX in my American Express Credit Card Ending XXXX. On the following day XX/XX/XXXX, I call the XXXX Customer Service to cancel my booking, because of financial budget? The customer service, dont want to cooperate to give me a full refund of my money back in my American Express Credit Card. And they want to charge me a {$600.00} cancellation fee? I said I am not agree to pay for that " SCAM '' of {$600.00} cancellation fee no matter what. That's only a one day booking and I call for a cancellation right away? I call the American Express Credit Card customer service XXXX, on that day to disputed this issue? And I spokes to customer service, don't let this XXXX XXXX XXXX to take even a single XXXX in my Credit Card. Block all the transaction coming from them? On XX/XX/XXXX This Amex Credit Card, Let the XXXX took another {$300.00} in my Amex Credit Card, despite of my noticed to the customer service to block all the transaction from this XXXX and block them to get access in my credit card account? I disputed this additional {$300.00} to customer service, I am not going to pay that amount of additional {$300.00} its your fault? And they apologized me about it? The Amex customer service are willing to cooperate in the first place? They told me, don't worry about that. We're going to help you to resolve that " SCAM '' issue? And now when I check my Billing Statement for the month of XX/XX/XXXX. They didn't help me to resolve my issue to refund the amount of {$2200.00} transaction # XXXX and the additional {$300.00} transaction # XXXX instead this Amex Credit Card, refund me only the amount of {$1000.00} I call the customer service to disputed this issue. They told me, I have to pay that amount {$1500.00} because isn't refundable anymore? What a big " SCAM '' I spokes this Amex customer service. I am not going to pay that a lot of money no matter what? What a big " SCAM '' I trust you to help me, to refund that money back in my credit card account? Now you want me to pay this {$1500.00} that I never been used? What a big " SCAM '' It sound like this Amex Credit Card is collaborating with XXXX with this big " SCAM '' They told me if I didn't pay this " SCAM '' amount of {$1500.00} Im going to pay a lot of interest and destroy my good credit that I taking care for so long? I always pay this Amex Credit Card most of the time ahead. You can check my payment history with them? And now this Amex Credit Card betray me for this a lot of money. Please help me to resolve this big " SCAM '' issue? If they don't stop this crook people, they keep doing this big " SCAM ''? I look forward with your prompt action regarding this matter. 

Sincerely, XXXX XXXX XXXX Cell # XXXX
MONEYGRAM FAILED TO SIGN US UP FOR ALL VICTIMS FUND FOR FRAUDULENT MONEY ORDER AND SCAM TRANSFERS TOTALING {$100.00}, XXXX IN REFUND REQUESTED. 

SEE ATTACHED.
My loan was transferred to Selene Finance on XX/XX/2018 from XXXX XXXX  whom I had gone thru the loss mitigation process and had been approved for a repayment plan, a signed repayment agreement was sent along with the initial payment as requested. Selene miss handled my account for months, I called practically everyday had to resend documents multiple times cause they either lost them or claimed to have never received them, their staff was incompetent in handling even the most basic of questions and request. Supervisors never returned my calls and finally over 5 months later I received a notice that my repayment plan had been canceled due to lack of payment even though they had a check that sat there for months uncashed and numerous times I was told by their representatives to hold onto the funds until they completed the account transfer. I then applied for foreclosure assistance thru my county and once again to get any documents the county needed or their cooperation was futile. I was approved for assistance on  XX/XX/2018 and the only requirement needed by the county was a XXXX in order to release the funds, weeks later, many phone calls, written request for this simple form and I am about at my deadline for the county funding and still no cooperation despite my constant follow up on a daily basis and my clear expression of the urgency of the matter. This company should not be allowed to continue doing buisness as they treat their clients with no priority and they have been sued and have tons of complaints against them.
The account being reported is not accurate. I ask for proof proving the information being report is correct. The reporting agency failed to give me that information and so did the company reporting to the bureau of the accuracy for their claim. The company was sent a cease and deceit letter on XX/XX/XXXX to stop all and any collection and to not report anything to any credit bureau. I also call and confirmed that they did receive the letter and I was told it would cease. On XX/XX/XXXX this account showed up on my report with total incorrect information ( dates amounts ) all false. I contacted the collection company again and was told the credit bureau is report this without their consent. They are reporting dates and billing for days I did n't live at that property. I disputed this with the credit bureau and they continue to report the inaccuracy. I have ask that Transunion, XXXX and XXXX remove this from my report and they have fail to do so. I was sent a letter on XX/XX/XXXX by Transunion stating they will not reinvestigate the dispute and will not provide me with any information as to their findings.
As a Home Owner Citizen of the United States, I am angered and dismayed by Ditech/XXXX use of Federal Law to claim cushions as a safeguard and projections as excuse to add charges to borrowers ' accounts ( contrived by people that have no stake in the home ). Charging additional money and not processing payments ( holding payments in unapplied funds UAF ) result in additional and unfair charges/fees, bad credit reporting, threats of and real foreclosures. These practices are predatory tactics of an unscrupulous and greedy mortgage industry that has total power and control. It is laughable ( if it was n't so sad ) that the powerful mortgage industry claims need for safeguards/protections against the lowly individual. I vehemently dispute the calculation of additional cushions/projections ( fake charges ) that put consumers into a foreclosure status ( piling fees, upon fees, upon interest, upon fees ... ) .These additional charges are CONTRIVED ( trumped up charges, not true debt ) no matter what legalese/label used, i.e., cushion, projection, fees, whatever. Ditech/XXXX claims of borrowers being payments behind because of their calculations, holding funds UAF, and practice of sending contradicting letters claiming various amounts owed provides evidence of a mortgage industry gone awry.
Ocwen contacted me by mail in reference to a debt your firm alleged that we owe monthly payments from XXXX XXXX thru XXXX XXXX, XXXX on our property I discovered this week from the XXXX that XXXX filed and recorded a Satisfaction of Mortgage on XXXX XXXX, XXXX and stated that the loan was not been assigned and has been paid in full.. This action stemmed from a Department of Justice lawsuit targeting XXXX XXXX in XXXX and XXXX. As a courtesy, I 've attached the information. 


I would like more information about this alleged debt. Accordingly, pursuant to 23 NYCRR 1.4, Substantiation of Consumer Debts, I kindly request that you provide me with substantiation of this debt. 

Pursuant to the regulation, 23 NYCRR 1.4 ( c ), for all charged-off debts, substantiation should consist of : 1. The signed contract or application that created the debt, or, if neither exists, a copy of a document given to the alleged debtor while the account was active, demonstrating that the debt was in fact incurred by the debtor. If the debt was incurred under a revolving credit account, this could include the most recent monthly statement showing a purchase, payment, or balance transfer ; and 2. The account statement at charge-off, or equivalent document, that the original creditor issued to the consumer ; and 3. A statement describing the debt 's complete chain of title from the original creditor to the present creditor, including the date of each assignment, sale and transfer ; and 4. Records showing the amount and date of any prior debt settlement agreement in connection with the debt agreed to after the effective date of these regulations. 


The regulation further requires that you provide substantiation to me within 60 days of your receipt of this request for substantiation, and that in view of my request for substantiation, you must cease collection until substantiation has been provided. 23 NYCRR 1.4 ( b ). 

I 'm also requesting all monies that were paid you regarding the loan charges you are still attempting to collect on be refunded back to me by check in 30 days. Under Loan Charges '' Any sums collected from Borrower will be refunded This loan you are attempting to collect, has no enforceable interest. '' As stated in the Security Deed filed, recorded and was not certified by the XXXX XXXX XXXX to secure the note. 


Please send substantiation of the debt to :
XX/XX/2015, I purchased sectional sofa at Macy 's and, in conjuction, was offered to pay via credit card with 24 month interest free period. I agreed but it took several weeks to receive a statement and during that period, was not able to make a payment online, nor was I able to view my account summary. The Macy 's credit card website state it was undergoing construction and therefore, unavailable. After finally receiving access to the website, I made my 1st payment. 

Then XX/XX/2015, I visited my local Macy 's store where I purchased several goods. The salesperson encouraged me to use my Macy 's card so I obliged. Today, I was able to review my online statement and was dismayed to learn that I 've been charged interest on the purchase these goods. Even more frustrating is that I have tried to contact the Macy 's credit card department through their online contact application but continue to receive an error message. After failing to submit my inquiry online, I tried calling the phone number listed on my account webpage. Unfortunately, I was also unable to reach a real live person. After spending 20 minutes stuck in the phone tree going from automated message to automated message, I have finally given up and hope that perhaps you will be able to help me work with Macy 's. It has become apparent that I 'm in the process of becoming victimized by deceptive practices and predatory lending. Even worse, I 'm now unable to reach someone that may be able to help rectify the situation.
Fraudulent activity is reporting on my credit report from Experian, listing a joint account for an automobile from XXXX XXXX. This was part of identity theft I was victim of, and after exhausting all options, Expieran still reports this account on my credit report.
Portfolio Recovery Associates has been harassing me with phone calls and mailings for years over a credit card bill from XXXX XXXX which is over 15 years old. I have repeatedly ask them to stop contacting me and I have been ignored. I became XXXX XXXX in 2000 with a XXXX XXXX XXXX and I have no way of paying the approximately {$1000.00} they say I owe. I am XXXX years old and their harassment is making my condition worse. Please, I need your help to get them to stop contacting me.
Hello I recently received a copy of my credit report and did not understand what was being reported- My home loan information reporting seems to be different than what I have on file. I am requesting verification of detailed account information and the dates reported to XXXX, XXXX and XXXX. 

1. Please confirm the last date reporting or updating account details to each credit company.

2. Please confirm all negative payment dates reported ( ie 30-90-120 late payments ) 3. Please confirm last payment date I would appreciate this information be mailed to me to verify my records
hello I am a victim of identity theft. enclosed are my valid and notarized identity theft affidavit. please review, delete & block the fraudulent item that is reporting inaccurately on my credit due to identity theft. as well as following the FCRA laws when a consumer submits an identity theft affidavit. I have no knowledge of this account, nor did I gain from the opening of this account. thank you in advance for your cooperation.