WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX/XXXX/XXXX, we traded our XXXX Dodge Durango to a dealership. After the payoff funds were sent to Santander Consumer USA, they refused to release the title to the dealership. The Dealership could not resell the vehicle and then Santander went and took possession of the XXXX Dodge Durango from the Dealership. Now they are trying to collect money from me, claiming it is the balance of the loan.
XXXX  XXXX XXXX # XXXX -each bureau reports a different date of last activity Date XXXX  ShowsXX/XX/XXXX XXXX   Shows XX/XX/XXXX Equifax Shows XX/XX/XXXX XXXX, XXXX, Equifax is showing a monthly payment as well as a past due on closed account of {$1000.00} how is this possible? ( THIS ACCOUNT NEEDS TO BE DELETED PLEASE ) This is how I know that it wasn't a proper investigation. FCRA is very clear about the law.
World Finance and I settled in XX/XX/XXXX and agreed that I would pay {$75.00} a month to settle my balance. I have been doing as such. This arrangement was made in XXXX County, GA. They have since filed a suite in XXXX County to garnish wages because XXXX County will not accept them. Again, I have been paying to my agreement. I have called the office to rectify, however, they do not respond at all. I believe that this behavior from them is being taken against me because I requested that they remove inaccurate information from my credit report. World Finance reported as a judgment when there was no judgment because we settled.
I am enrolled in credit monitoring and I also review my credit report online often. Today when I reviewed my credit report, XXXX XXXX is listed on my Equifax report as showing me being delinquent for last year XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They had to submit this over recently because this was not on my credit report last year and I do n't recall being 30 days late last year. I even refinanced w/ the company this year so it seems impossible to have been late. I am not sure why this was recently reported on my credit file and would like it to be removed because it is affecting my credit.
In the most recent complaint and response, the company gave an explanation of debt and attached several documents to include a lease and a disposition of security deposit statement. My complaint revolved around an unsubstantiated charge for parts, which was listed under the name XXXX. The company 's response was that " XXXX '' was for utility charges ; out of all the documents that was submitted in their complaint response, their was no billing statement with regards to the claimed utility charge. Every month each tenant was given a billing statement of charges before any amount was asked to be paid. My request is that this company produce that statement to justify the claimed utility charge.
I had a loan with XXXX XXXX which is now Navient. I admit the loan is in a collection status but I have been paying on for a couple of years now. The collection loan was being handled by allied interstate. I was in an interest free program paying $ XXXX month. XX/XX/XXXX, XXXX XXXX stopped deducting the payments out of my bank account without notifying me. I realized last week that the payments were no longer being deducted and I called them. The gentleman I spoke to advised me that because I was set up on this interest free program for a year, once the year was up, the payments stopped. I asked him why did n't anyone notify me. He had no answer. He asked me if I could submit a payment that day, and I did, for {$100.00}. I advised him I would call back to set up a new arrangement once I figured out my financial situation and if I could afford to pay more than what I had been paying. He asked me if I could settle for {$10000.00}, and I advised him I do not have that kind of money. He then asked if I could pay anything over {$5000.00} to settle, and I said no. He asked me to take out a loan to pay the bill?? Who does that?? Anyway, yesterday morning XX/XX/2016 at XXXX, I recieved a call from XXXX XXXX of XXXX XXXX XXXX. This representative was very very rude. He began in a very harsh tone demanding why I stopped paying on my loan to Navient. I said excuse me? I thought I was paying to XXXX XXXX? He said the account had just been transferred to their agency and he was calling to settle the account. He said he could settle it for {$10000.00} and I said I do n't have that. He then very rudely said well they paid for your education, you need to pay them back.. How are they allowed to call very early in the morning and be very rude and disrespectful at that. His manager, XXXX XXXX then chimed in and advised that would take over the call. He also again asked me why I stopped paying. I told him the same story I told the other gentleman last week. I was not aware the payments stopped coming out of my account and that I made a payment last week to XXXX. He said well they did n't receive any payments from me because the account was just transferred to them. I said how is that my fault? I did n't know when I was making that payment that XXXX is no longer handling my account. How is that fair and legal that XXXX XXXX can take money from me, and then transfer the account to XXXX XXXX XXXX and they have no record of the payment? The collection rep was so demeaning and rude and spoke to me in a very harassing manner. This is very stressful situation and I am thinking about getting an attorney. How can these collections companies keep transferring accounts but do not notify the consumer. Then they call you and get you to give them money right before they transfer it, but they do n't notify the other company of the payment. How is this fair and legal? Also, why do they have collection reps who are very rude and nasty, calling at XXXX. This entire situation has been nothing but XXXX on me and I have contacted an attorney.
I have requested a copy of the contract bearing my signature with COMMONWEALTH FINANCIAL SYSTEMS ( CFS ) onXX/XX/XXXX, via Certified Mail, CFS received it on XX/XX/XXXX. It has been over 31 Days and still no response from CFS. Again i request a copy of the contract bearing my signature with CFS. There are no notice of disputes on my recently pulled credit report with CFS they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.
It has been over 60 days, since XX/XX/2018, where I have sent in my first round of dispute letters by certified mail ( i.d . theft affidavit and police report ) for Experian to remove the fraudulent information from my credit report in violation of 15 U.S.C. 1681.

This is my second time disputing these fraudulent accounts by certified mail ( affidavit of truth and facts ), since XX/XX/2018, on contacting the bureaus, and since then, I still havent had any results on the fraudulent information being deleted from my report. XXXXx is required under the FCRA to have properly verified that an account listed on my credit report is mine by having a copy of the original application. 
On XX/XX/2018 I certified mailed a second written request for Experian to remove the still remaining fraudulent accounts that are on my report. They have not provided me with a copy of the original documentation that they have on file. Under 609 and 611 ( a ) ( 1 ) ( A ) of the FCRA, the credit bureaus are required to promptly delete all information which can not be verified.

Under section 617, the law is very clear as to the civil liability and the remedy available to me for " negligent noncompliance '' Experian has had over 60 days to complete these actions.
I learned in XXXX XXXX that a number of 'pay-day ' type loans, in various amounts, had been opened using my identity ( SSN, name, birth date, employer, salary, home address, etc. ) which was apparently stolen sometime during XXXX. To date I have learned of XXXX companies that have opened such loans, including : CashNetUSA, XXXX XXXX XXXX, XXXX Payday Loans, and XXXX. The loans do n't appear on credit reports from the major credit organizationsXXXX. This is concerning unto itself. The loans were opened on or around XXXX/XXXX/XXXX. I contacted each company as I learned of a loan. The companies were all circumspect about the respective loan and would not provide information to me unless I gave them privileged personal information. I refused to provide such information unless they could prove they already had it. I was harassed with phone calls sometimes on a daily basis if not more. Eventually, I learned in each instance these companies do n't actually do credit checks with the major credit services nor are the loans identified on the credit reports -- makes it hard to determine there are fraudulent loans when they are n't reported on your credit. I have opened an incident report with my local police department, opened a complaint with the FTC, and put fraud alerts with the major credit services. I have sent dispute letters to each company when I learn of the loan and how I can file a dispute. All MAJOR inconveniences. While I 'm concerned about the harassment I 'm receiving from these companies, I 'm VERY concerned about what I do n't know including other companies that may be using my identity.
My son 's father passed away, I am XXXX years old and struggling. 25 % of my pay is already being garnished from my check ( 15 % ) goes to the Department of Education and ( 10 % ) goes to PHEAA as well as ANY tax refund is immediately sucked out and immediately send to the Department of Education. I have paid SOOO much money in interest, collection fees, etc. that I do not see any end in sight and I will NEVER get these paid off so I can start on this one. I had absolutely no idea that when I was helping my son go to college that I would be paying back 3 different companies. I feel like I was totally misled because I sent a request for aid to 1 place and 1 place only. The money came from place only. I have tried to get out of default by making double payments for several months, but I was lied to. They told me when I could only make an additional $ XXXX that after 7 months, they would look at my situation and I would have a new lowered payment ... yeah, it's now {$1200.00}! I don't even have anywhere close to that leftover after garnishments! I filled out an application with all of my expenses and income which came out to about XXXX! I have just gotten out of the hospital for an XXXX  and feel like I am being harassing every way I turn. If I had to do over again, I would have NEVER, EVER SENT MY SON TO COLLEGE BECAUSE IT IS KILLING ME!!! I have no more money. I barely have money for food!
On Friday, XX/XX/2018 XXXX XXXX called 6 times. This is in reference to a Synchrony Bank/JC Penny credit card. 

I have personally reached out to Synchrony several times to resolve the issue and I have scheduled 6 months of reoccurring payments at their suggestion. I am working to remedy this account and 6 calls in one day is UNCALLED FOR!
On XX/XX/XXXX I spoke with a paralegal at Protas, Spivoc & Collins LLC in reference to a debt that was reported by XXXX XXXX XXXX XXXX. This debt resulted when in XX/XX/XXXX a XX/XX/XXXX XXXX XXXX that was being leased by me was repossessed. The vehicle had 4 months remaining on the lease with a balance of {$1800.00} plus late fees and personal property tax. At that time, the balance to pay the debt was around {$4000.00} On the day that the vehicle was reposessed, I went to the auto tow location where the vehicle was taken and attempted to pay that balance and retrieve the vehicle to return it to XXXX XXXX. XXXX XXXX refused to accept payment, and the vehicle was sold at auction. 

After selling the vehicle, I received a statement from XXXX with a balance due of {$17000.00}. This amount includes balance on lease, property taxes and fees required to repossess and sale the vehicle plus the amount that represents the difference in the value of the car less the amount the vehicle sold for. The lease that I signed with XXXX clearly states the required payment amount due if in default. 

My complaint is that XXXX XXXX has turned this debt over to Protas, Spivoc & Collins but the amount due is in error. I have communicated this information with them and I am getting the run around. I wish to resolve this debt as it is affecting my credt, however I am only willing to pay the actual amount that I owe. 

I spoke with XXXX XXXX at Protas, Spivoc & Collins but I have not been able to resolve this issue.
I inadvertently made XXXX {$100.00} payments to Capital One. They refunded the money into my checking account and then billed me {$500.00} on a different account. I have been trying to resolve this since XX/XX/XXXX. They take all my information and then do n't follow up. This is the information that is relevant : Case Number : XXXX The account in question is : XXXX XXXX XXXX XXXX. This account is closed. They have billed an account that ends in XXXX.
Transunion and XXXX are reporting XXXX as an open collection item. I have clearly settled this, and this should be removed immediately. XXXX, the item is from an OLD debt.
In my home equity line of credit # XXXX there was a balance advance of {$5000.00} done on XXXX which I did not do. I called on XXXX! And nothing was done, I called on XXXX and told to go to a branch to fill out a fraud affidavit, which I did. Per affidavit it would take 3-4 days. I called on XXXX and nothing has been done. They were going to send an email to the loan department that can take several weeks. I requested for the line to be frozen, I have not be given any information on the new number, did the reversed the transaction while they investigated. I feel very upset, I have not been treated fairly in this process. 

Thank you XXXX XXXX
My minor child was seen in an emergency room visit and on the date of service the emergency room admitting person was provided with medical insurance cards including an active no copayment XXXX account card. According to what I have been told despite repeatedly giving them the information by phone and in writing in addition to having provided the information at the time of service they have not properly billed XXXX  and continue to harass me and forward my information to debt collection agencies.
My credit report was pull on XX/XX/2018 And show delinquency and late payment. The delinquencies and let payment are 4 years old and still shows as recent.
Northeast Collection Bureau repeatedly calls, from varying phone numbers, giving different names, always with a harassing tone, claiming they have a debt that needs paying. They refuse to name the original creditor or the amount owed. Currently do not have any debt in collections associated with this company. They have been told repeatedly to cease calling. Ignored. I 've researched the company name online, and found many complaints that they are a scam agency, scaring people into paying them, and that many of their targets had to get legal counsel or police involved to stop the harassment.
Two plus years ago my mortgage company took out an insurance policy on my home when I already had one, then in short subsequently changed my payment amount monthly during a 2 year stint to try and correct this issue. Hence every time I tried to pay my mortgage it was never the correct amount and they would mark me as late. It took me two years to get someone to finally look into this issue. once done, they agreed with my but still refused to correct the damage they had done to my credit.
XX/XX/XXXX Experian XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX, Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, PA XXXX To Whom It May Concern : On XX/XX/XXXX I sent a certified letter disputing the following five ( 5 ) XXXX XXXX accounts which are inaccurately reporting that I was 90 days late in XX/XX/XXXX : XXXX  XXXX XXXX acct # s XXXX This is NOT TRUE. These accounts have never been late for those months or any other and I am asking for Experian & XXXX  to correct this ASAP. 
XXXX  XXXX XXXX. regularly makes these errors and have been successfully sued by States and govt agencies for same. 

*Federal guidelines and prior court precedence is very clear on what a credit bureaus obligations are. One of those obligations is to conduct a PROPER investigation. The courts have also clearly emphasized that depending on an outside source or creditor is NOT a proper investigation. 
I have been denied credit & am paying hundreds extra in auto insurance due to this reckless reporting. 
I have filed complaints with the CFPB & O.C.C My next step is to : Write letters to 42 Senators & letters to 61 House of representatives However, I prefer to resolve this ASAP to avoid more damage to my life. Please conduct the proper investigation and correct my credit report as XXXX has already done. 
PLEASE CORRECT THIS as it is having a serious negative impact on my life. 

With hope, XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX
XXXX XXXX keeps calling my cell phone for another party, no idea how they rec 'd my phone number but its not even me they are calling for. I answered one time and told them to never call again but they keep calling. they just called me at XXXX on XX/XX/18 and left a voicemail making threats that if there isn't a return phone call there will be further action. I have an outgoing voicemail with my name so you think they would realize its not the person they are calling but they don't.
I mailed Equifax proof that my student loans were not 90 days late as they have reported and they have yet to fix their mistake!
I have requested an itemized bill from the beginning of service as well as a signed or voice contract between me and XXXX. I have not received my request. The collector, XXXX XXXX, has sent me " XXXX '' invoices instead w/ multiple billing dates and amounts. The dates are in 2014 for XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX.
Credit Bureaus reporting Collection from XXXX XXXX as originated from XXXX at XXXX XXXX XXXX. They also report the data of the debt with XXXX XXXX as XXXX XXXX. 

The debt is currently in dispute The amount is also incorrect
I have XXXX properties that I currently have mortgage with Ditech mortgage company. One of the properties have interest rate of 5.5 % and I ask them for help to reduce my interest rate and the are not willing to do that, and keep adding late charges last year ask them to waive late charges they refused. 

On the second mortgage, I have been informed that I do not need to have mortgage insurance, due to the facts that I owned more than 25 % of he property, but they refused to reduce my payment and I am still paying for mortgage insurance, that by law is not required, also ask them to waive late penalties, and they refused. 

I am XXXX years old and do not have funding to hire attorney. Please help. 

Thanks
I am a victim of identity theft. My office was broken into and several ID documents were stolen. I filed a police report which I have attached to this complaint. Several inquiries were made online without my approval or authorization which have now negatively impacted my credit. The fraudulent inquires are below : Chase Card : XX/XX/XXXX XX/XX/XXXX
When I ended my car lease, the car was inspected. It has been determined by Ally that there was excess wear. The charge was for {$180.00} plus {$12.00} sales/use Tax on Maximum Early Excess Mileage and Wear Charge Total of {$190.00}. ( we did not use all of our miles ). First of all, I believe that it is illegal in Indiana to charge sales tax on labor. Secondly, I have disputed the issue of multiple scratches and the bumper cover excess charges. I believe that this is retailitory measure action taken by Ally against the dealer because they have changed financial institutions for their leasing agreements. In addition, I believe that Ally my be attempting to take advantage of unknowlegeable senior citizens. As of XX/XX/2017, I am paying this disputed charge under duress, I do not want them to be able to endanger my credit score, and I hope that this complaint will provide financial reimbusment.
I stopped making payments on my private student loans because no one could give me the original contracts for the loans that showed the interest rates being charged. Various debt collectors sent letters over the years seeking varying amounts. One week before the six-year statute of limitations expired in my state,  XXXX  brought a lawsuit in state circuit court. The contract attached to the complaint said that a different state 's law governed the enforcement of the contract. That state has a four-year statute of limitations. The issue of whether  XXXX  filed a lawsuit after the expiration of the statute of limitations is currently pending before my state 's Supreme Court on interlocutory appeal. Another part of the interlocutory appeal is whether the mistakes on the summons result in a lack of personal jurisdiction.    XXXX  did not sue in its legal name, which is " The  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  '' It admitted that it did not own the loans that it sued upon. It also later admitted that it did not have the original contracts that it sued upon, which are necessary under the " best evidence rule '' at trial.  XXXX  claims to be a loan servicer and that    XXXX    other corporations own the loans. My credit report showed that a completely different corporation owned at least   XXXX   of the loans sued upon.  XXXX  did not include all   XXXX   loan account numbers in the complaint and refused to add the true owners of the loans as " necessary parties '' to the case.   In my state, a loan servicer that collects loans it does not own is operating as a " collection agency. '' A collection agency must be licensed in my state, and  XXXX  was not at the time of the lawsuit. In my state, a collection agency is not allowed to bring a lawsuit on behalf of a creditor or any other entity. I have alerted my state attorney general and the department of licensing. I am writing this to help anyone who has been sued by this corporation. State and federal consumer protection laws  may  help you file a counterclaim.
I have tried for the last several months ( with the help of my husband ) to resolve my issue with the Bank. No resolution.

In XX/XX/2012, i was convinced by the Branch officer to open a savings account and make monthly transfers from an checking account i had with the Bank. We transferred {$100.00} and then {$10.00} a month. What I recently realized that the Bank was charging me {$5.00} a month in fees. In 6 months i was charged {$30.00} in fees on deposits of {$150.00}. Interest credited was XXXX cents.

This was not a best practice by the Bank. They should never have opened these accounts with these very high fees. Not in the best interest of me and the many other thousands of customers.
my apr is 0 % when i opened this account i sent letter via ua mail tracking # XXXX. letter stated i dont agree with the apr increase to 22+ % and the monthly payment increase and i will continue my monthly payment {$60.00} a month. i dont agree with the monthly payment increase when i 1st got this account the payment was under {$60.00} and the apr was zero 0 %. the letter i got back said my apr is 22+ % and my payment has increased. it is not fair they can increase a payment any time they feel like. at this point i refuse to pay anything more then {$60.00} a month and dont care what they do to this account. i 'm not refuseing at my free will i just dont have the money to pay.
COMPANIES INVOLVED : EXPERIAN, XXXX, XXXX DATES : XX/XX/2018 ITEM REPORTED INCORRECTLY : BANKRUPTCY I've been trying to get this item removed since it has been reported. I'm in the process of buying a home so I really need to have this item removed from my credit report because it's reporting incorrectly. I've recently sent more certified letters to all 3 credit bureaus disputing this information, and requesting to have this derogatory item removed immediately. The credit bureaus refuse to remove this item because they're stating the Federal bankruptcy Court verified this information. As we are all aware, the Federal Bankruptcy Court doesn't release this type of information to third parties. I've also asked for a method/proof of verification, and they refused to provide me with this information. 

PLEASE HELP!!!!