WillisBack/dataset-financial-user-claim huggingface dataset:
I borrowed from National Collegiate Trust I made payments for several months before it was sold. I found out who it was sold to and begin making payments with them ( balance increased ), it was sold again and has been sold again and the balance is continuing to increase. Not to mention that every single company that it has been bounced around to is unaware of the previous holder or originator. They ask me for a huge amount to put down ( {$10000.00} ) and are not willing to work with me for reasonable payments, threating to take other actions.
I paid off auto loan VIN XXXX with XXXX about 5 years ago. XXXX was to have released lien on my vehicle. XXXX had an obligation to electronically clear my title when the load was paid off. 

When I called XXXX to have it released they stated that it would take 24-36 hours. 

I beleive XXXX has a pattern and history of failing to release liens.
I have a problem with Equifax for over 20 years reporting the incorrect information on my credit file. Today,    XXXX   XXXX   XXXX  , I  applied for a loan with my credit union and my score is  XXXX . Equifax has accounts that I have paid in full and on time listed in bankruptcy when they where never included in the bankruptcy. They are reporting accounts I never had and have disputed over and over, they remove them and send be a letter. The next year I pull my report, Equifax has put the accounts back on my report, so I have to file a dispute again. I do n't know what to do, Equifax is used by most banks and if they are constantly reporting the incorrect Score and information on my report it is causing me to be denied or pay a higher interest rate. This is unfair to me. You ca n't call them or speak to anyone.
I have received XXXX phone calls today, XXXX calls yesterday and two calls a day on a {$92.00} debt that I owe. They do not leave voicemails or really have any information they can give me on the dates and time i owe the debt. They say it is for XXXX XXXX. They are calling me at work and I 've been reprimanded for it.
This company has reported allegedly owed monies to credit agencies without verifying the veracity of the debt owed. Theyalso did not resolve the dispute that I had made on the allegedly owed account ( I disputed within 30 days of the originalletter ). 
I have never received any communications from Amsher except for one ( 1 ) letter demanding payment. When I contacted them to ask why they reported this account to collections, the operator decided that Amsher was in the right, I was in the wrong, andthen hung the phone up on me. This bullying tactic is unfair to me as a consumer, and the fact that they decided to damagemy credit without verifying a debt owed is proof that they are violating the FDCPA. 
Under the FDCPA, Section 809, clause B : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection XXXX a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 

As a consumer, I have the right to receive verification for a disputed debt within 30 days. I did not receive that. Subsequently, Amsher reported the account ( without verification XXXX to a credit bureau, which harmed my credit. When I called to get information on why the account was reported to credit bureaus, I was hung up on by an operator.
Over a year ago I disputed a fraudulent Wells Fargo Credit Card on my credit profile a long with sending in police report. XXXX claimed after investigating that the account was mine. I sent the same police report and filed a CFPB complaint against Well Fargo ( CFPB # XXXX ). Wells Fargo sent me a letter dated XX/XX/2017 stating the account was fraudulent and they will stop reporting to credit bureaus. I again disputed the account with XXXX. They have not deleted that account from my credit profile.
On  XXXX   XXXX ,  XXXX , I refinanced my home mortgage. Initi ally, the Loan w as serviced by  XXXX   XXXX . On  XXXX   XXXX ,  XXXX , the Servicing was transferr ed to SLS Loan Servicing. I  have asked SLS to provide me with an amortization and payment history on the Loan, and their response is that they can only provide Loan information from the date they commenced servicing. Therefore, they want me to request an amortization from  XXXX   XXXX  from the closing date to the date servicing was transferred. See the attached email response from SLS.     How can SLS service the Loan if they can not provide a complete payment history? I am asking for a history because I made an additional principal payment of {$3500.00} on  XXXX   XXXX ,  XXXX , and that payment does not appear to be credited to my account.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX on behalf of Midland Funding LLC filed a case against me on XXXX/XXXX/XXXX with the XXXX district court, case # XXXX which was dismissed XXXX/XXXX/XXXX for non-service. A subsequent case was filed by XXXX on XXXX/XXXX/XXXX case # XXXX this case was also filed at the XXXX district court in Michigan. 

The court ledger states that on XXXX/XXXX/XXXX I was " personally served '' at an address that I had not lived at in at least 3 years. A default judgement against XXXX/XXXX/XXXX me was entered because I was not personally served and did not arrive to court. I had no knowledge of the court date. Ironically, the initial case filed by XXXX, # XXXX was sent to the address I moved to from the address listed in case # XXXX. The judgement was for a writ of income tax not wages. On XXXX/XXXX/XXXX a writ of periodic garnishment was entered. I still at this time had no knowledge of this or given proper notice of this case for 9 years. On XXXX/XXXX/XXXX, after my initial notification of the garnishment from my employer, I filed an objection to garnishment with the XXXX district court. I was also granted a hearing. XXXX XXXX acknowledged the objection with a letter to the court on XXXX/XXXX/XXXX. The court date for the ojection hearing was XXXX/XXXX/XXXX. I traveled from my home XXXX miles away for the hearing only to find that XXXX entered a satisfaction on XXXX/XXXX/XXXX and my money was sent to them. During the hearing I was the only party to show up and was granted an objection to garnishment. The court papers stated my money should be released to me immediately. I called XXXX law to inquire on getting my money returned. I was advised somebody would call me back and have not received any communication. XXXX in fact was overpaid and collected monies from my Michigan state income tax and my wages.
Fell behind on payments due to wife 's family illnesses. Called bank to work to get back on track and arranged a payment schedule to catch up. Made the payments and actually paid {$5000.00} which was {$4000.00} more than I was behind. I was never told by bank representative that the card would forever be closed when sorting out a payment schedule. In fact, I believe the representative stated that once I get back on schedule and card is out of collections I should call and ask to have the APR reduced to the prior APR.
on Monday XX/XX/XXXX i call the wells Fargo reward center about my rewards the customer service why i did n't get my XXXX dollars reward because i already spend XXXX dollars in first three months they check for me saying that the promotion rewards is i need to spend XXXX dollars in first three months i said no then they transfer me to talk to their supervisor the answer is the same i tell them when i apply online they said is i need to spend XXXX XXXX in first three months why now it change to XXXX dollars they said nothing they can do they are cheating me
I have a debt of {$1600.00}. I called to find out options on settling. They informed me XX/XX/XXXX I could settle for {$1000.00}. After seeking counsel, I was told to call back and speak to a supervisor to try to negotiate payment since I am a XXXX single female who is working hard to improve my quality of life and pay off debt acquired during my XXXX/ XXXX time. I called back XX/XX/XXXX to speak to a supervisor. My agent was incredibly rude and said they would n't transfer me even though I 've requested numerous times to speak with a supervisor. Naturally I called back multiple times to see what other department could help me. The different departments apparently were all the same 3 people, ( did not know that ), so the other agent yelled at me and was so rude. Stated that I was harassing them and they would take further measures if I called back again. He would not listen or answer any of my questions regarding a supervisor or how to make a payment. I have yet to be given any payment details. He stated that he would be getting me and was going to advise that the settlement amount was removed cause of harassment. I want not rude nor did I even yell, let alone did not harass anyone. He yelled, talked over me and would not allow me to speak or ask any questions and eventually hung up on me. Shocked at this treatment I figured maybe he needed to cool off. I called back shortly after to ask how to make a payment and the moment they answered said they were emailing admin to report harassment and hung up. They continually refuse payment and these are the people supposedly collecting payment for debt?? I simply need a reasonable amount to pay as a person recovering from XXXX in a car accident ( not at fault ), XX/XX/XXXX, XXXX : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX & XXXX in XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and lasting effects. Just need a reasonable abut and how to pay. They refuse to speak to me to accept payment. I will gladly provide my details if needed.
RE  :  XXXX  I have notified  XXXX  that this not mine :  XXXX   XXXX  accounts  XXXX ,  XXXX  and  XXXX  All they did was verify that  XXXX  had my name and social seucrity number, which of course was already knows as it was on the credit report to start with, so they took the word of the reporting company,  XXXX , as validation of its own debt?     I am  XXXX   XXXX   XXXX  an have lived in Nevada for over 25 years and provided my information, license and property information from  XXXX   XXXX  to   XXXX    that I have lived here and not Texas and have never lived there and did not have service there.  XXXX  needs to respond to us with pro of ( written c ontract, drivers license, method by which these accounts were set up, in person, on the itnternet, etc ) that a single person would have  XXXX  utility accounts. Why would I have  XXXX  utility accounts????     Asking a company to verify their own information is not an independent process and hardly qualifies as a legit investigation.     Thank you,  XXXX   XXXX
Tri-State Adjustments, Inc. a Wi sconsin-based Collections company is attempting to collect on a debt that they can not confirm is owed by me. On  XXXX   XXXX ,  2017 , I sent them a letter disputing their claim and requested per FDCPA that they identify their client, and to validate this alleged debt through any and all documentation supporting their claim. I have filed this same complaint with CFPB case file number  XXXX  in which Tri-States Adjustme nt, Inc.is basically unresponsive stating they are waiting on proof that I have paid this bill. It is obvious that Tri-State Ajustment , Inc. does n't understand the law because they should know that the burden of proof that a debt is owed is upon them and not the consumer. I will also be filing formal complaints with the Wisconsin Department of Financial Institutions who regulates their license and with the Minnesota Department of Commerce in which Tri-St ate Adjustments claims they are licensed with.
I am trying to refinance a auto loan and I am being told by lender that I have delinquencies that will not allow me to refinance. I am having trouble finding what they are as my reports states I have no issues with collections. Please advise. 
Thank you XXXX XXXX XXXX XXXX
On XX/XX/2018, I sent a letter to dispute the late payments shown on my credit report. On XX/XX/2018, I received a letter stating that the account has been verified as accurate BUT did not send any verification documents proving the late payments were accurate. They also DID NOT mark the account as disputed within 30 days as required by law. They have not followed the FCRA and the negative remarks need to be deleted.
During XX/XX/2018, I sent a letter to Aargon Agency. In the letter I asked for the company to please provide me with evidence of the authorization of this matter, the authorization of law for them to collect this information, proof of the alleged debt, including SPECIFICALLY the alleged contract or other instrument bearing my signature. I also request that they please identify the original creditor, provide a complete account history including charges added for collection activity, provide that their agency is a licensed debt collector and can operate to do business in my state and also for their license number and registered agent. As of today, I have not received a response from the agency. 

During XX/XX/2018, I once again sent another letter requesting these information from the above-mentioned companies, no response received. I have sent multiple letters to each credit bureau to have these accounts removed from my credit report, but they refuse stating the debt has been verified, but they provide no proof as to how the debt was verified despite me sending letters that the debts have not been verified.
I 'm only aware that my TCF Bank account is " Closed '' because I stumbled across it online and pursued further explanation. <P/>I spoke to customer service and confirmed my savings balance. I was also told that my account was " Closed '' at this time because without a transaction in 12 months, an account with TCF is " dormant ''  and a transaction can not be completed online. Further, I was told that an account is deemed un-owned and the funds seized to the state at 24 months without a transaction. <P/>This account was sold to me as ideal for my goal : saving for emergencies, along with earning monthly interest. Thus, the goal = no transactions. <P/>So in addition to this not being disclosed upon opening the account nor outlined in policies, I have received not one notification about my account 's " Closed '' status - and the potential risk. I receive monthly hard-copy statements at my home address.
XXXX XXXX XXXX ( XXXX XXXX XXXX, USA ) was recently taken over by Sterling bank and they are now going to charge XXXX $ a month for mailing paper bank statements. 

This is my mother 's bank account. She is over XXXX and has had a XXXX. She doesn't have email, nor can I teach her how to appropriately deal with the electronic records. 

Physically changing banks is hard for her due to mobility issues - she has been banking there for 50 years and it is close to her. 

I am sure a " reasonable '' fee may be charged, but this doesn't seem like a " reasonable '' fee to me. 

We tried talking to the bank but they don't care - she doesn't really have a large account
CAPITAL ONE AUTO FINANCE Date Inquired :XX/XX/XXXX I received an alert from my credit monitoring company on XX/XX/XXXX and was informed that an inquiry has shown up from Capital One Auto Finance. I have not and did not authorize any applications with Capital One. I do not have any records of inquiring for an auto loan with Capital One. I called capitol one and they did not have an application on file for me name. I contacted bureaus and placed a 90 day freeze on my account and I also filed a police report for fraud activity. If you have any questions please contact me at XXXX. 

Thank you.
I received contact from my next door neighbor that XXXX XXXX of Delta Management contacted them regarding my debt purposely to humiliate, embarass, and intimidate me. I have lived in the same home for 17 years and have had same job for 17 years. I do not socialize with my neigbors. Thery are neither responsible for me or privy to any of my information. 
In addition, my XXXX children have been contacted via mobile ph. after being advised repeatedly.
To Whom it may concern : On XX/XX/2018 we rented a compact car from XXXX XXXXXXXX in XXXX XXXX. The rental fee amount for the duration of the rental ( 10 days ) was paid in cash, in order to get a lower rental rate. Per our contract attached to this document, there was a rental refundable deposit charged to our card in the amount of XXXX XXXX pesos, plus {$1300.00} added to cover rental fee difference, due to cash shortage at the time of the rental. 

On XX/XX/XXXX, the vehicle was returned with no damages or fuel charges. We were told the deposit would take approximate 2 weeks to show on my credit card. On XX/XX/XXXX, per merchant request a copy of the contract was transmitted over " XXXX '' application and agreement was reached to refund deposit in the amount of XXXX. Per merchant " XXXX '' communication, attached to this email, the refund was going to be issues on by Friday that week. Per " XXXX '' chat transcript attached to this email, the merchant agreed on returning deposit by Friday XX/XX/XXXX end of business day. So far we have not received the refund. 

Today, we contact them again and were told that due to an internal government and bank fraud investigation all funds have been frozen pending an investigation. 

Citibank has closed the case on me twice and have not provided a credit to our account.
Transunion never verified information. I have alert for Identity theft and they continue reporting same wrong accounts, balance. Accounts never charge off, was paid and I sent long time ago proof to fix in my credit and continue reporting. accounts was deleted was inserted again. Accounts not belong on my name. They sharing with other companies like leasing companies XXXX, etc old information and accounts with more 7 yrs and include in bankruptcy or the other person name.
XXXX inquiries due to fraud appeared in my Equifax report XXXX  and XXXX of XXXX. I contacted the bank in question and notified them of the fraud. They immediately closed the account and mailed paperwork confirming the events. They also notified the credit reporters to remove the inquiries. Finally, I submitted a fraud alert with Equifax XX/XX/XXXX.
90 days passed.
I submitted a dispute XX/XX/XXXX with Equifax because the inquiries remain.
90 days passed.
I received no response from that dispute. I resubmitted the dispute on XX/XX/XXXX, XX/XX/XXXX, andXX/XX/XXXX. I received the same generic responses that the fact an inquiry happened, despite being fraud, validated its reporting.
I contacted XXXX again and they verified the events of the first call and that they would remove the inquiries. XXXX again sent me a letter of verification, and again contacted Equifax asking them to remove the inquiries.
90 days passed.
It has been almost a year. The inquiries remain. Trying to submit another dispute now results in an error on their website. Emails to contact links are bounced back. These problems needs to be fixed.
XX/XX/2018, I purchased a {$1000.00} espresso machine from XXXX XXXX, and several hours later cancelled the purchase. Both the purchase, and the reversed charge showed up onmy XXXX XXXX  statement. 
The problem is, XXXX XXXX  continues to show that purchase in my monthly XXXX statements, and, as of today, current accrued interest of {$100.00}. When I complained to XXXX last month, they told me, essentially, Trust us, your statement is correct,
All accounts have been paid in full and are not reporting as paid. Need to show delinquent or remove from my credit file
this is my 3rd complaint on same acct-continues complaint # XXXX & XXXX.for 5 yrs since our mother passed away we have tried to get jpmorgan chase to close her acct and forward monies-court order instructed them to-well they never do-they keep ans your inquiries saying oh yeah this will be handled-then contact us because they '' never received '' documents faxed to them-we have confirmation it was sent-Every day another reason to delay to obstruct-lies like u can not believe ex : given one fax # on chase ltr but on further inquiry told to send to diff # -ex : all documents sent from chse come to our correct address-except chks-that means we have to fill out forms to stop payment on chks not received-except chase recently admitted they have those chks-why not just mail them to correct address??? so forms filled out faxed THREE wks later told we are missing those forms forms we have fax confirmation on.look i could go on and onthey have no intention of ever releasing these funds, always given yeah its gon na be done-always replying to you matter being taken care of-then telling us more needed more needed ever more needed-they never tell this office that all i know is im becoming-at almost XXXXyrs old-a chase gopher go here do this run there etc-and its really driving me and my brother ill i have XXXX XXXX  XXXX  XXXX XXXX but eh-they drop the ball and i always have to scurry about because of that not fair is there oversight is there justice please help were drowning
I disputed this account via the XXXX, XXXX and XXXX. GM Financial verified my social security number with the credit bureaus but has not validated the debt. GM Financial has not validated this debt or any corrected the many inaccuracies that they are currently reporting. In fact, I do not nor ever have entered into a financial agreement with GM Financial. They have not provide their " chain of assignment '' either. I am attaching a detailed letter that GM Financial needs to address promptly.
I have made s complaint with the company TRANSUNION for accounts being reported on my report incorrectly and have not been verified. They have sent a letter saying that one account which is XXXX was deleted and then placed back on my report and is not showing on any of my other bureaus and was not properly verified as I asked for copies of any documents with my signature on it and that was not provided. Also one account was removed from collections and I did not receive anything in writing saying it was removed, that account is XXXX XXXX XXXX for XXXX. Also the letter they sent does not show that the other alleged accounts XXXX XXXX and XXXX XXXX XXXX were verified.
On XX/XX/XXXX, I submitted a CFPB complaint against Experian ( XXXX ) and the agency 's response does not address the issue. On XX/XX/XXXX, Experian communicated to the CFPB they were " still working on the issue '', while the agency corresponded to me by mail on XX/XX/XXXX suggesting " accurate information could not be removed '' ( see attached ), Why was this correspondence not provided to the CFPB? On XX/XX/XXXX, Experian responded to the CFPB complaint suggesting the public record in question was verified by a third-party vendor, but NONE OF THE CORRESPONDENCE FROM EXPERIAN TO DATE ADDRESSES THEIR UNLAWFUL ACTIONS IN THE COMPLAINT. 

I am submitting FACTUAL, RELEVANT information to support their continued INACCURATE and UNLAWFULreporting of a public record on my consumer profile. The continued lack of acknowledgment and the correction or deletion of this record is a direct violation of the Fair Credit Reporting Act Section 611 ( a ) ( 5 ) ( a ) ( i ). Specifically, which court provided Experian 's public record vendor the verified results, was it U.S. BANKRUPTCY - CENTRAL DISTRICT or Us bkpt ct ca XXXX XXXX? They are BOTH listed as the source of alleged verified public  record on Experian 's reporting platform as of XX/XX/XXXX ; several months after the alleged investigation ( see attached ). 

Additionally, Experian has a fiduciary obligation to not only verify disputed information with the original source but to go beyond the original source when reinvestigating credit report inaccuracies ; not a third party vendor. This precedent was established in XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ).