WillisBack/dataset-financial-user-claim huggingface dataset:
I received a letter from Transworld Systems , Inc dated XX/XX/XXXX in regards to a utility bill in the amount of {$430.00}. Back in XXXX of XXXX another Collection Agency company contacted me in regards to this same debt. At the time it was only on my XXXX  report. This debt is not mine, so I disputed it and it was deleted off of my XXXX  credit report and I have all of the proof. Transworld Systems , Inc. just put this on my credit report ( XXXX & XXXX ) without sending me any type of notice in the mail stating that I have 30 days to dispute the validity of the debt. I did start the dispute process and the letter I received from Transworld Systems , Inc. stated they received the dispute and how they have a relationship with the Credit Bureaus. That is violation number one, how can they just put something on my credit report without giving me a chance to respond because they didn't send me a notice. According to the Fair Credit Reporting Act the Credit Bureaus must verify all information that they get from banks, credit card companies, debt collection agencies, etc. The Credit Bureaus must have the, " ORIGINAL SIGNED CONTRACT. '' Under section 609 of the Fair Credit Reporting Act, the Credit Bureaus are suppose to have this contract to make sure it is valid/correct. Under federal Law, an UNVERIFIED account must be deleted. This is not my account, this company is not the original creditor. All these companies buy paper/screenshot. This is considered a charge off. these companies file a 1099 to the XXXX and this debt becomes taxed to me. You can not collect debt on taxed income. Again, this is not my account, this has been deleted from my XXXX  Credit Report and still is on my XXXX and XXXX Credit Report. I have started the dispute process with XXXX  and XXXX and mailed it out on XX/XX/XXXX certified mail with return receipt for both accounts. The estimated delivery date was XX/XX/XXXX. I mailed into the Credit Bureaus XXXX and XXXX my dispute letter, both of the letters from the last collection agency who had this account, the deletion letter from XXXX, the 1st and only letter mailed to me from Transworld Systems , Inc. a copy of my Driver 's License and Social Security card so that they know it is me. This company has already put something on my credit report without giving me 30 days to dispute the validity of the debt. I do not feel comfortable sending this company any of my personal information, because look how they already do business! I have sent everything to the two Credit Bureaus and that is why I have not loaded any documents to go to this unaccredited debt collection agency because I sent everything to XXXX and XXXX.
Of the XXXX credit bureaus, only Equifax had a name associated on my account that was not mine, nor was it even remotely similar to mine. In fact, it was a man 's name, and I am female, and again, it was not similar in any way to mine. I went online to Equifax and followed the prompts to request this be corrected. I received email after email ( I have a print screen shot of the automated response from Equifax ) from Equifax stating my online dispute is now available for me to confirm the status. Yet, each time, I 'd get another screen stating there are no disputes on my credit file. I decided to contact Equifax and speak with a person on XXXX XXXX, 2016 at XXXX XXXX. The gentleman I spoke to was foreign, and difficult to understand, he continued to go around and around without ever answering my question about why the email Equifax keeps sending me does n't produce a status. He informed me the name associated to my account has been removed. I continued to ask why I am unable to view this for myself on the emails Equifax sends, and again, he said he did n't know. I asked to speak to his Supervisor, this was a gentleman named XXXX out of the XXXX GA office. He too was very difficult to understand as he had a thick XXXX accent and he would not provide me any other identifying information. I asked him if he is the only XXXX in Equifax 's XXXX office and he said yes. He was rude, agitated and refused to explain why Equifax is sending me emails that wo n't provide information. In the end, he said he would snail mail my corrected Credit Report. This was XXXX am on Friday, XXXX XXXX, 2016. I have yet to receive my credit report and today is Monday, XXXX XXXX, 2016. 
I am appalled that credit bureaus have so much control over my personal data, and continue to create mistakes, and the fact that businesses rely on these credit bureaus is haunting. I need my corrected credit report from Equifax. Thank you.
I am a XXXX Veteran, XXXX. XXXX. All my federal loans were forgiven with no problems, but this private loan through AES/NCT has been a nightmare that wo n't end! I have talked to someone many of their representatives I have lost count ... everyone of them all agree that what their company is doing to me is wrong! But I can never get in contact with anyone that can make any decisions, my original loan was for $ XXXX and have paid on it for about 10years and I still owe around $ XXXX+ on it. And I can no longer afford to pay for it, it is either food for my XXXX boys or this loan? So it 's not a hard decision for me to make but it 's just ridiculous that this company enjoys to profits off of me and XXXX others in a country that I defended for 10 years +, so they could continue that right .... but they ca n't even cut me a little slack ... it makes me sick that this can happen in the country I was proud to go and risk my life to defend! Please anyone help in anyway that you can, it has gotten bad enough I have resorted to begging .... a warrior brought to his knees by a corrupt corporation! Remember the companies are : American Education Service and National collegiate Trust!! Modern day extortionationates.
This is with regard to the XXXX of TRID and a Closing Disclosure done in gross error by Quicken loans. Our son ended up signing a closing disclosure ( CD ) under duress to close his purchase on time. I have been 24 years in XXXX. My son bought a home in XXXX in XXXX XXXX Ca. He went to Quicken Loans. I told him to get used to the terms LE ( Loan Estimate ) and CD ( Closing Disclosure ). I was my sons main contact and authorized representative on his loan. I was forth right and asked almost daily about my son 's CD and about it being correct. I have all of the emails to Quicken. We gifted my son the down payment. With this the loan coordinator at Quicken called me on XXXX/XXXX/15 that I needed to get the remainder of gift funds into title or our son would not get his loan docs. I kept saying I had NO idea how much to take in since I had not seen anything. I was finally sent an email that we needed to deposit the amount of {$29000.00} so I ran the day before XXXX to the bank and wired the funds. Quicken confirmed he had the funds on XXXX/XXXX/15 at XXXX PST ( please see email below ). I like how he wrote I will not make any promises the numbers will not change. 
I have received the wire receipt. Most likely these numbers will not change, but I do n't want to make a promise that could change. I do not expect any changes, but I do n't want to set you up for failure. 
Thanks, I was all over Quicken for the CD. They kept telling me it would be coming. On XXXX XXXX my son called me in a panic. He said " MOM, I do not have {$32000.00} to bring into closing. I called the closer who was very rude and abrupt. You will be able to pull the call. He told my son and I he had NO proof or documentation that the gift funds of {$29000.00} were received. I told him no way and that this was the only way it could go to docs per emailed for the Quicken loan coordinator. My son signed the CD under duress since he would not meet his close of escrow date if not. 
Thank goodness we had an amazing title officer who sent me the buyers closing statement to our son showing him what was really needed to be brought in to close and what was true and correct. 
This is why you the CFPB put TRID into effect. Please look into Quickens unfair lending practices and the fact they are not following TRID nor do they care for the small consumer!
I have accounts reporting on my report that do not belong to me. I have tried to get them to remove it but they will not.
I went to buy a car and was told by the dealer i had been denied a loan because i had 2 collection accounts on my credit report. I obtained the credit reports and it said I owe {$190.00} to XXXX & XXXX XXXX and originated with XXXX XXXX and {$570.00} to XXXX XXXX XXXX originating with XXXX XXXX XXXX. Everyone who has owned a car knows you can not run a bill with insurance. If you do not pay by your due date your policy is cancelled and if you have an accident and attempt to make a claim it will be denied. So the premise under which i supposedly owe this debt is entirely fraudulent. I believe XXXX XXXX and XXXX XXXX XXXX has committed fraud by selling this fraudulent debt to XXXX & XXXX XXXX and XXXX XXXX XXXX which is attempting to collect it from me. This fraudulent debt has caused my credit rating to go down by as much as 200 points.
Quicken Loans offer after the XXXX XXXX last year in Florida a break to help the customers that had damages and lost the tenants, the proposal from QL was not to make payments for 3 months and after that they will contact us and could be extended ; the offer was no late payments, no late fees and no damage on the credit report and the break on payments will not impact the mortgage amount, will be only freeze for the period need it and this months will be added to the mortgage period, all information was presented by phone no documents where received. For our surprise when we were ready to start payment we contact the company and they now send us a mortgage package for 40 years plus they add the interest ( around {$5000.00} increase ) that we haven't pay for those months to the principal and that was not what we agreed. 

Loan number XXXX XXXX XXXX XXXX
On XXXX XXXX, 2016, I called Capital One 360, regarding a fraudulent transaction on my checking account. Someone hacked into my online bank account and sent a cashier 's check to a person I do n't know, XXXX XXXX, in the amount of {$2000.00} on XXXX XXXX. In addition, I was charged a {$20.00} service charge for this fraudulent transaction. I told Capital One 360 that the amount of {$2000.00} had been deducted from my account because of the fraudulent cashier 's check from someone hacking into my online bank account. Capital One 360 told me they would contact me within 48 hours to setup a new bank account, and my money would be redeposited into my new bank account because it was removed fraudulently from my old bank account which was closed by Capital One 360 on XXXX XXXX when I reported the fraudulent transaction. 

As of today, XXXX XXXX, I have not heard back from Capital One 360 regarding my money, I am out {$2000.00} and no one from Capital One 360 has contacted me as to where the {$2000.00} is or how to setup a new bank account and deposit that amount into my new account. I called Capital One 360, fraud department on XXXX XXXX, and they asked me to send a screenshot of my iphone to check for malware, which I sent to Capital One 360 on XXXX XXXX via email. I also called Capital One 360, on XXXX XXXX because I had n't heard back from Capital One 360 regarding the {$2000.00} that was fraudulent taken from my bank account. Capital One 360 told me to resend the screenshot of the malware check that I did on my iphone which I resent on XXXX XXXX. 

As of today XXXX XXXX, I have n't heard back from Capital One 360, regarding my missing money {$2000.00}, which I am expecting to be reimbursed into a bank account in my name.
Capital One payments must be made by XXXX that day, otherwise it is considered late and their system will not post the payment until the next day. If my payment is due on a certain day of the month, I should have until XXXX to make my payment and not be penalized with a late charge.
After reviewing my credit file I have come across information reported from Department of Education/XXXX that is incorrect. On XX/XX/XXXX I spoke with XXXX at XXXX Department of Education and was informed that all my accounts were current in the amount however an account in the amount XXXX and XXXX has never been late because it does mot exist.XXXX also stated that XXXX has not reported anything to either credit agency yet I have negative incorrect possible fraud accounts from there company listed.XXXX also informed me that it would be updated within 24 hours. On XX/XX/XXXX I spoke with XXXX and XXXX and they both informed me that these 2 account never existed however the ones that I do have are current and never been late. Yet all 3 credit reporting agencies are still reporting this inaccurate and based on XXXX and XXXX fraud info. I myself have never known about an account in the of XXXX and neither have I known of one in the amount {$6500.00} and I also know I HAVE NEVER EVER BEEN LATE ON ANY ACCOUNT THAT I MAY HAD. Please remove these accounts from my credit file immediately. As I have never ever been late on a student loan the loans I have are being paid on time and these loans do not exist or could be a result of identity theft as I have been a victim of. EQUIFAX CONTINUES TO REPORT INACCURATE INFORMATION ONTO MY CREDIT FILE THAT THEY ARE NOT EVEN VALIDATING. DEPT OF ED/XXXX COULDNT HAVE POSSIBLY VALIDATED OR VERIFIED THIS INFORMATION WITH YOU BECAUSE THEY CANT VALIDATE IT WITH ME. I WILL BE FORCED TO PURSUE LEGAL ACTION AGAINST EQUIFAX IF IT IS NOT REMOVED
The Capital One Branch at XXXX XXXX in XXXX XXXX engaged in negligent action by notifying me prematurely of funds availability on a check drawn on XXXX XXXX XXXX and issued by XXXX, XXXX XXXX Bank. I personally requested that the bank verify this check and time was taken by bank personnel explicitly for the purpose of funds verification. Later, it became very obvious that the check was not verified before deposit. Please note that the check was never signed by me because I was waiting for verification before signature. After the Agent verified the check she did not request signature or any information from me. This causes suspect of the banking Agent who returned to the counter and informed me that it was a good check to clear at midnight. I would never have signed this check and deposit it into my account without verification. The check did clear and the funds were in my account by XXXX XXXX with no hold or pending notice. I expected the check to clear. However, I wanted to take every precaution with a first check especially of this amount and from people I do n't know. After the Bank cleared the check I felt safe withdrawing the funds the following day to complete the secret shopping work. Therefore, I did my part well as I always do to protect myself and the Bank. Two days after the bank verified the check ir was charged back and I believe the Bank is totally responsible for the loss of these funds. Either they knew it was a bad check and deposited it anyway or they negligently did not verify it as I had requested leaving me in a very vulnerable place by making funds available to me with no backing. I filed a case with the Bank Claims center who reports that the bank has no obligation nor responsibility to me as its customer regarding the loss of these funds. ( see attached letter ).
I purchased this car from a dealership and was basically haggled into getting a car for more than what it was originally worth. I was given a ridiculous interest rate and then I found out that the interest is compounded. So for a car that is actually only worth XXXX I am going to end up paying 25,000 give or take. The original car loan was for around 11,000 plus the warranty. The dealership and the place that approved my loan some how came up with to horrific numbers that are now haunting me every two weeks just so that I can get caught up from being out of work and missing One and a half payments when I XXXX XXXX and XXXX XXXX XXXX I have been paying multi-payments per month for over a year and for some reason my balance never goes away. I am struggling to make ends meet because of this car that I was suckered into buying at a price that is not what I deserve to be paying. the early buy out is still at XXXX, which is more than what the car is worth and no one will refinance or trade in. I have already spend over that much since purchasing the vehicle in XX/XX/XXXX. My original payments were set to be XXXX per month and I am now paying XXXX every two weeks and the balance is not going away like I feel that it should. They are basically saying that I am still two months behind when I only missed one full payment over a year ago. I really need help with getting this taken care of and hopefully lowering my payments. Please help me as well as you possibly can.
I tried to make my mortgage payment online as I 've done for the last several months, but there was no option to make a one time payment. I have no idea why, but that means I have to mail a check so now it 's going to be late. I want to make sure I 'm not charged ANOTHER late fee for something that is n't my fault. Their website just needs to work properly so I could have made my payment on time. This is completely unacceptable!! 

I sent ANOTHER message through the website that is supposed to be responded to in 2 business days. Mine have all been IGNORED in the past so I expect a response to this one from someone with a first and last name and a direct phone number. All the annoying phone calls from people with no name who do n't bother to say why they 're calling is completely unprofessional and needs to stop immediately.
I was making my normal monthly payments up until I lost my job. I called the Loan company which is Credit Central and asked how do I go about activating the credit protection program for when you loose your job. I was then informed that because of the amount of my loan they took the credit protection option away from me. Not once did anyone tell me that the credit protection plan had been removed from my account due to them giving me an increase on both of the loans I currently had with the company. Spoke with the manager and the disrict manager about the matter and set up a payment arrangement to pay the two payements that were past due. I then called back to the district manager to see what other arrangements could be made considering that if I was to continue to pay them for the next few months then I would be homeless. I didnt recieve any phone call from the district manager about the matter after I spoke with her the first time after not being able to get anything solved by dealing with the manager of the location. When speaking to the manager of the location he offered for me to rewrite one loan to pay off the other loan but, that still would n't have solved the problem because at the time I actually did n't have a job to be able to repay either loan and did n't have documents to turn in to be able to rewrite the loan to pay off the other one.
My Tax lien is incorrect, and the Nissan account is still reporting, it 's old and incorrect, so please take it off my credit report
I am being pursued by Portfolio Collections Agency, LLC via U.S. mail for XXXX credit cards which I have no recollection of having applied for. As a result, my XXXX credit report is negatively impacted. After carefully reviewing my credit standing with the XXXX major credit bureaus, I have traced my steps backward and forward repeatedly in an effort to try to recall how this could have happened. I have taken steps to call, email, and/or write in order to dispute any inaccurate information found with these credit bureaus, have gotten positive resolutions for most of my disputes EXCEPT with Portfolio Recovery Associates. 
I began contacting Portfolio Recovery Associates since XXXX XXXX, XXXX, and my experience has been like dealing with inept and poorly trained individuals with no interpersonal skills. They give inconsistent answers, they talk over me, they 're rude when asked to refrain from interrupting, they have poor telephone etiquettes, they lie consistently and twist my words around. They are evasive, enjoy playing mind/chess games, are short-tempered to the point where nothing gets accomplished at the end of my calls. 
I was told that credit card number XXXX ( amount {$930.00} ) was opened in XXXX and number XXXX ( amount of {$80.00} ) was opened in XXXX. Yet, when I lost my job, my home, and had to file a bankruptcy in XXXX, these XXXX accounts did not exist or they would of been included in the bankruptcy. I have proposed to them that perhaps my ex-husband may be responsible for these accounts or someone else may have fraudulently applied for these accounts. I have also asked that Portfolio Recovery provide me a copy of the original applications with proof of the signatures of both accounts, but I have yet to see proof of these requests. They 've even asked that I should contact the original creditors and ask them for the original applications. 
This company, their staff, and business practices need to be investigated thoroughly, fined, and put out of business. I am a responsible consumer who fell on hard times but this does not give anyone the license to take advantage of my misfortune. I wonder how many more individuals are going through what I 'm being put through? 
I want to see this matter resolved as soon as possible so that my credit standing with XXXX can be restore. 

Your effort in assisting me in bringing this matter to a final resolution will be greatly appreciated.
this company first obtain my credit report with out my authorization and now put a collection on my report that affect me to get a mortgage loan in the one i working for so long to have and i do not recognize this company
I am going to upload a XXXX page letter I sent to XXXX XXXX, who represents Ditech, my lender, and they have announced foreclosure auction on XX/XX/XXXX!!!!! Need Division of Banks to call Ditech at XXXX IMMEDIATELY to ask for a 60 day postponement of the sale, since it is now 7 business days before the Auction. 
Ditech address is XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX Account number is XXXX my address is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and my email is XXXXXXXXXXXX, my phone is XXXX or XXXX. 
I need to know RIGHT AWAY if Ditech will agree, I faxed them a complete copy of my letter and XXXX documents to XXXX XXXX, their lawyer, on XXXX/XXXX/XXXX at XXXX XXXX. 

I had a predatory loan through XXXX that I believe is INVALID XXXX does NOT own both the Note and Mortgage, as Ditech says, and can not therefore foreclose The notice of default is defective, sent by Ditech rather than the XXXX Order of Notice under Servicemembers Act is over one year old XXXX, through Green Tree, has waited more than 5 years to foreclose since our last paym, ent XX/XX/XXXX I want a Temporary Restraining Order for 60 days so I can further investigate the unfair and deceptive practices of all lenders, banks and attorneys. Please see XXXX documents. 

XXXX and XXXX XXXX
XX/XX/2017 I received a call from XXXX from XXXX with Critical Resolutions. Saying he had a case for me in XXXX for XXXX and that I a returned from my bank, XXXX. He did tell that call may be recorded but did not give me the XXXX He said a case has been in court. I asked for the case number he gave me XXXX I asked where it was filed and he told me he did not know. He asked did I wan to voluntarily take care of it today. I asked for his company 's address and he replied : He was sending the case to XXXX to have me picked up and I could deal with all that crap there and ended the call. ''
On XX/XX/XXXX18 I received a letter from Experian that a dispute I sent by mail was suspicious. I was informed that my dispute was not going to be processed because that that reason. I was also informed to dispute online and I had to accept there terms and conditions and accept online dispute results, which I do not want to accept either. This is unfair and I am only exercising my right to dispute by mail. This is why I can not get any results to the fraudulent inaccurate reporting of debt on my personal credit report.
XXXX XXXX PULLED MY CREDIT ON XX/XX/2018 AND NEVER SENT LEETER OR VALIDATION. CEASE AND DESIST COLLECTION EFFORTS ANS CEASE CONTACT.