WillisBack/dataset-financial-user-claim huggingface dataset:
I have contacted XXXX XXXX by mail on numerous occasions. ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) I have requested XXXX XXXX to verify that this debt belongs to me from XXXX XXXX and they have not provided me with a response yet. The address that they are reporting to the credit bureau is an address that I have never resided. I have contacted the credit bureau by mail and phone and their response is that they have verified the debt but thy have not informed me on how the debt was verified. I have even informed the credit bureau that the address that XXXX XXXX is reporting is not correct and has never belonged to me. I know by law that a collection agency is required to verify a debt which they have failed to do for over a year but yet they are still reporting this incorrect information to the credit bureaus. Would you please be able to assist me with having this account removed as it is hindering my credit and should not be being reported.
I notified the collection agency and XXXX XXXX XXXX that this is not a valid debt. Further, I invited XXXX to produce documentation of a valid debt. Upon validation, I would happily pay the valid amount due. XXXX XXXX XXXX has contacted me as recently as a month ago about a separate matter. They had every opportunity to discuss this alleged debt then, but chose not to do so.
Harris Harris calling us, asking for us to call them. Their # is XXXX. They are a debt collection agency. They do not leave any specific debt we owe. They just give the time for us to call them back during the week. This is their third call. We have not received anything in the mail and we have no outstanding debt.
Capital One promotional check offering 0 % APR for 18 months transacted but the promotion was not honored. Check had expired but was allowed to post anyway on XX/XX/XXXX according to XXXX at Capital One. No proof of expiry was provided with the copy of the check XXXX after discussing the issue at length. The same promotion was offered throughout the year ending XX/XX/XXXX. Proof will be provided below. I was sent multiple bundles of checks offering this 0 % APR for 18 months promotion and they are attached below. The fifth phone call was made today ( XX/XX/XXXX ) with XXXX - XXXX at Capital One Executive Headquarters, and I told her that the federal government will judge this according to the proof I provide for this claim demonstrating the continued offer. Capital One has exhibited predatory lending in this case as well as fraudulent advertising and marketing to an excellent customer of over XXXX years with a high credit score.
I bought my home XXXX. Mr. Cooper became the third company to service my loan beginning XX/XX/2018. They are raising my escrow based on last years taxes from another owner who did not live on the premise. I have sent Mr. Cooper the correct tax amount from XXXX Sc website, but they will not review it until XX/XX/XXXX. Therefore my mortgage has increased from {$330.00} to {$460.00} and it is difficult for me a senior living off of a fixed income. 
Companies should not cause hardship to consumers especially when it is brought to their attention and it takes someone to take a moment, make a phone call and correct the situation. 
My account number is XXXX
We had fraudulent activity on our account. I contacted Bank of America and they would not credit the charge back or do any investigation. The did provide the sales receipt & the charge was made at XXXX in XXXX TN. The receipt had the phone # of the store & I spoke with the manager. She agreed that it appeared to be fraud by an employee and the amount was credited back. I then contacted Bank of America on XX/XX/XXXX @ XXXX we spoke with XXXX and closed the account. We got a notice on XX/XX/XXXX on regarding changing the terms of our credit, the 4 page notification did not contain a phone # you could and why would you receive a notice on an account that should not exist. Luckily I kept the records and was able to go back and retrieve my account # and a phone #. When I called I was on hold for 16 minutes and they asked for the 4 digit security # on the back of my card. I explained, when you close an account you cut the card up. They then said they had to speak with the primary card holder, Iadvised my husband was out of the country ; they said they could not do anything unless they spoke with him. I told them he spoke with them before on XX/XX/XXXXand they did not honor our request. He will call  AGAIN when he gets back to USA. In the meantime I have lost about {$200.00} in wages by tracking the  dispute and trying to get the account closed.
I enrolled at XXXX XXXX based on lies that the enrollment person said to me. First off, I was lied to about the loan process and how many loans I would have. I was told I would have 1 private loan and 1 Federal loan. I ended up having 9 different loans. 3 Private and 6 Federal. I was also lied to about credits transferring to other schools. None of my credits can transfer. I have called 4 or 5 different schools and none of them will accept XXXX XXXX credits. I was enrolled from XXXX to XXXX. I did complete my degree but have been told many times that the degree isn't worth the paper it is printed on. I am lost and have no idea what to do. I was lied to from the get go. My loans have grown from {$40000.00} to $ 60,000+. I am currently paying on the Federal loans through an IBR which has been a struggle from time to time. I'm not rich and I live week to week like most folks do. At first the payment was around {$54.00} a month for the first year. The next year it went up to {$140.00}. And now the payment is {$360.00}. I can't afford this at all. I am paying on a degree that is worth nothing. I have had other folks that I attended XXXX XXXX with and they have somehow had their loans discharged completely. When I contact Navient I get told that they can not discharge the loans. I really need help. I have started contacting Lawyers to find out my options based on being taken advantage of and lied to by the school and the loan provider. I went through a job interview and the gentleman was looking over my resume and laughed because I attended XXXX XXXX. He said that it was a school built on lies and that the degree isn't worth anything. And in all my research it is true. No school will accept it and I have been told that I will have to start from scratch again to obtain another XXXX degree.Please Help
I requested that Experian open an investigation a negative account listed on my credit report from XXXX XXXX in the Amount of {$1600.00} on XX/XX/XXXX. My request was that Experian provide me with validation of this account with the signed original contract in accordance to my right as the Fair Credit Reporting Act Section 609 1 ( A ) 1 states. Experian has failed to validate this account and provided me the reason that the item was updated and it meets the requirements of the Fair Credit Reporting Act. The report also suggested that I could directly reach out to XXXX XXXX, which is what I did on XX/XX/XXXX. 

Upon reaching out to XXXX XXXX, I have not recieved any correspondence about the account, I have not recieved an original signed contract from Experian or XXXX XXXX directly. The letter that I mailed to XXXX XXXX was recieved XX/XX/XXXX and signed by XXXX XXXX according to XXXX Tracking Number XXXX. However, I am being ignored and have not recieved any validation of the debt or any correspondence from XXXX XXXX. Experian continues to update my credit report stating that the Account has been verified by XXXX XXXX and they will not re-investigate this account as of XX/XX/XXXX. 

The reason for me submitting a complaint is that, I have no validation via a signed contract with XXXX XXXX stating that I owe {$1600.00} or proof that this debt is actually mine yet Experian continues to report this account as verified. This has now caused me damages because the lack of due diligence has prevented me from obtaining new credit and also prevented me from passing a financial evaluation for potential job opportunities.
Im a victim of identity theft and have fraudulent accounts that have been opened in my name with a companies XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. I have a fraud alert on my credit file, and have sent them my police report, affidavit from the FTC, and sent them information regarding this being a fraudulent account. I didnt consent, authorize, apply, nor request for these fraudulent accounts to be opened in my name. The address on file does not belong to me, the account was not authorized to be open by me, and Ive been a victim of identity theft over a year. The XXXX police department deemed these fraudulent accounts as fraudulent accounts, and it is documented with the XXXX police department that, Im a victim of identity theft. There are also fraudulent addresses on my credit file reporting that are fraudulent addresses as well in which, I never resided at the addresses listed. I have those addresses listed on my FTC/IDENTITY THEFT REPORT as a fraudulent addresses as well. Per the FTC if an account is reporting inaccurately or if a consumer is a victim of identity theft the account is suppose to be removed off of a consumers credit file. Due to the fact the perpetrator who opened up the fraudulent account in the consumers name used the consumers personal information to have the fraudulent account opened. Identity theft has been on the rise for a very long time now, and several consumers are being affected by individuals stealing their personal information using it to open up accounts in consumers name. Im a victim of having someone steal my personal information and use it for their personal gain which has lead to this issue, Im having with this creditor. Im not going to be liable nor responsible for a fraudulent credit card account being opened in my name as if, Im the one that applied for this fraudulent account. Ive also submitted a FTC/IDENTITY THEFT REPORT as well with the government deeming these accounts as a fraudulent accounts, and these accounts need to be deleted/removed off of my credit files asap. These are not my accounts, and I shouldnt have to deal with an issue as such. I need assistance with having these accounts removed off of my credit files, and out of my name immediately.
I am disputing Ad Astra Recovery Systems showing on my credit report for a collection as this is not a legitimate debt owed. Debt was paid in full to original creditor. In review of paperwork all scheduled repayments were made over the course of almost 18 months duration, all marked as " PAI, Paid ''. Only 1 payment in the course of the entire repayment schedule was marked as a " return '' BUT that was even marked as " PAI, Paid '', a few days later but still shows as " PAI, Paid. '' Not sure why was it even was an initial " return '' as the repayments were ACH's/Etf 's set up against my checking account and I do have, in excess of over {$500.00} in event should ever need it, " overdraft protection on my checking account. Original creditor 's policy is too attempt the ACH's/Etf 's until they go through. It was made and credited to account, even though a few days late, and the next scheduled repayment was just 2 days later and that one, and all others for rest of the entire duration went through as scheduled. After my last and final repayment, last payment was made 16 months ago, and due to that I 've not received any communication from original creditor either via phone or mail that debt was not paid in full per agreement, And No Further ACH 's by original creditor have been made or attempted to be made against my checking account which remains the same now as was then, and they would have had the legal right to do so to get repayment if owed, I am continuing to dispute this attempted collection claim as other people have against Ad Astra as a company 's attempt which tries to collect that which is not owed. My debt has been paid in full to original creditor.
I have seen that XXXX, XXXX and lately XXXX has been on my credit I did not file or put in for a application, I did call each but to my amazement there still on my credit report. Please help
On XXXX XXXX, XXXX, I called Navient to ask for a forbearance while I changed banking institutions and updated my income driven information. I spoke to a representative, who prompted me to change my repayment plan. He took my SS # and bank account number. Navient charged my account on the XXXX of XXXX, per usual, however, " they '' were supposed to charge me on the XXXX according to the new contract. I contacted Navient on XXXX XXXX as to why I was charged, the representative could not assist me. I asked for a supervisor and was on hold for XXXX minutes.I never spoke to the supervisor. I hung up so I could call my bank and cancel that payment. 

The next day ( XXXX/XXXX/XXXX ) after reviewing the contract I had e-signed, I saw an address on the contract. I looked up the address using google and the first hit that was shown was " Navient XXXX XXXX XXXX, XXXX. '' I called Navient once again and they said they were not affiliated with that company. 

I used google to get the Navient phone number when I was connected to " Navient XXXX XXXX Services. '' How is it that this third person company had information about my loans? The reason I trusted this company and fell for their trap was because they new what should have been private information. After calling the XXXX Navient, they disclosed that there is a database that exists that people can look up loan information. 

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I have been a long time Bank of America customer. No overdrafts nor bounced checks. I had a {$6000.00} commission check and went to deposit it about XXXX XXXX on XX/XX/XXXX. I needed the money by this Friday and asked the person at bank if it would clear. She said first {$300.00} would be available that day the balance the next day. Once I deposited the check it said there was a hold until XX/XX/16. When I was upset that she told me wrong she said call the XXXX #. If I knew it wouldn't clear I would of went to the bank it was issued from ( XXXX XXXX  - a local bank here in Connecticut ). I found out from my real estate broker the check cleared the same night. She provided me with a copy of the check that cleared as well as seeing the {$6000.00} come from her account. I was told the reason it was held was based she ran out of checks and gave me a starter check that didn't have her broker name on it. That was ( I assume ) marked suspicious. I have called several times and talked to people at different levels. I told them the check cleared and I can provide proof and give them my broker 's phone number. I feel the bank is playing with my money as since it cleared the same day I deposited it there is no possible way it will take that long to get into my bank. My money is out there some where and I want it. If it didn't clear I would understand, but the funds were removed from her account that same night. Everyone is rude at the bank. The day it happened I tried to reach the branch manager at the bank and she would not call me back. This is totally unacceptable. Please tell me what can be done. They need to be held responsible for their rudeness. 
Thank you.
On XX/XX/XXXX, the due date as it appeared on my statement, I paid in full the balance on my XXXX XXXX XXXX. Today my new statement was posted and I saw a payment due of $ XXXX. I called XXXX to inquire about this amount and was told it was a late fee. When I asked how there could be a late fee when I paid the previous bill by the due date they said it had to be paid before XXXX XXXX. This is outrageous, there is no mention of any such deadline on the statement, it simply says the payment due date is XX/XX/XXXX. Now that I think about this I suspect this happened at least once before, but I havent had a chance yet to look at my previous statements. When I asked how could I possibly know of any such XXXX XXXX deadline I was told I should have called before making the payment! I am not kidding. There is no way I am paying this fee, if I have to I will go to court over this I honestly can not believe it.
On XXXX XXXX, XXXX, I mailed a qualified written request to Nationstar requesting certain information and documents. Specifically, I requested : the identity of the owner of my loan ; any language in the applicable servicing agreement or investor guidelines that would restrict a loan modification ; an itemization of costs, fees and expenses charged to my account since I defaulted ; a description of Nationstar 's efforts to establish live contact with me within 36 days of my delinquency to inform me about loss mitigation options ; a copy of the notice Nationstar sent me as required by XXXX CFR XXXX ( b ) ; and a copy of the loss mitigation application I submitted to Nationstar on or about XXXX XXXX, XXXX, as well as Nationstar 's written responses to that application. That qualified written request was delivered to Nationstar on XXXX XXXX, XXXX. 

On XXXX XXXX, XXXX, Nationstar mailed a purported response to my qualified written request. In this letter, Nationstar claimed that it would enclose the following documents : the note and security instrument ; the payment history ; the most recent billing statement ; the notice of servicing transfer ; the most recent escrow analysis statement ; and the payoff quote. I never requested these documents. Nor did Nationstar provide any of the documents or information I requested in my qualified written request.
I was originally told of a debt with XXXX back in XXXX of XXXX. So I paid it. Now 5 Years later they are claiming I had XXXX accounts with XXXX. I asked the agency for proof of both debts and they told me they did n't have to provide that. I states if i request it you do its the law. They said no. I called XXXX They stated the account was closed in XXXX yet the collector states this was owed in XXXX. The information from XXXX is not matching the debt the collection agency is trying to collect on.
On XX/XX/XXXX RAS LAVRAR LLC, went into my daughters account and put a legal order debit on it, I have a XXXX XXXX Bank. My daughter is XXXX years old and she's the primary account holder I'm just the co-signer because she's a minor. This company said that they sent me to court and I had not received any notification and this is not right. I'm currently living on XXXX XXXX, XXXX and that account I had it open in XXXX, XXXX. I opened it up on XXXX with XXXX XXXX XXXX  and this account I closed it on XXXX. I really need help because I don't think this is correct and something is wrong here and this company haven't try to do anything either to contact me or help me to resolve this matter. I spoke with XXXX ext XXXX, the number XXXX
EXPERIAN / XXXX / XXXX XXXX ALL THE MAJOR CONSUMER CREDIT REPORTING AGENCIES ARE REPORTING FRAUD ACCOUNTS AND WILL NOT BLOCK OR REMOVE ITEMS AS OUTLINED BY LAW. PLEASE SEE ATTACHED DOCUMENTS AND POLICE REPORT ALONG WITH LETTERS FROM THE COMPANIES REPORTING NEGATIVE AND FRAUD ACCOUNTS. ALL ACCOUNTS REPORTED ON EXPERIAN / XXXX / XXXX XXXX SHOW FRAUD ACCOUNTS OPENED BY XXXX XXXX USING MY NAME / SS # / DL # AND XXXX XXXX XXXX XXXX BANKS ACCOUNTS THAT I 'VE BEEN EXONERATED OF ANY DEBT OR LIABILITY.
Sub : Citi Bank is cheating the customers not giving the bonus. 
Ref : XXXX XXXX Citi Priority Account endingXXXX XXXX XXXX Citi Priority Account endingXXXX I opened an account with CITI Bank on XXXX XXXX, XXXX at XXXX XXXX XXXX, XXXX XXXX, NY XXXX. At that time there was a Citi bank bonus offer of {$500.00} to the customers if any customer deposits an amount of {$50000.00} or more for three months. According to the offer I deposited {$50000.00} on XXXX XXXX, XXXX and I opened the online banking at the time of opening from the bank itself. XXXX XXXX XXXX was the representative who helped to open the account. After opening the account, she had given me a referral offer with a referral ID ( XXXX ) and explained me that if I refer any new customer and the new customer deposits {$50000.00}, I would get a referral bonus of {$300.00} and the new customer would get {$500.00} which is the bank bonus offer existing at that time. According to my referral my XXXX XXXX XXXX went to the same representative XXXX, opened an account and deposited {$50000.00} on XXXX XXXX, XXXX. She showed the copy of the bank bonus offer of {$500.00} and also showed my referral ID to XXXX. XXXX also explained her the same that she would get {$500.00} as the bank bonus and I would get {$300.00} as the referral bonus. 
After the three months, I received my {$500.00} as the bank bonus to my account and in XXXX XXXX, I received only {$100.00} as the referral bonus. When I enquired about it bank says different answers and now says that the maximum bonus is only {$100.00} for referral. 
Today, when I saw the branch manager XXXX XXXX XXXX, he told me that he does not know what happened six months ago and he was not responsible for what the representative had talked me and given me and he can not resolve my problem. 
At the same time my XXXX XXXX XXXX received only {$300.00} instead of {$500.00} as bonus which is also cheating. She opened the account and deposited {$50000.00} only because of the banks {$500.00} bonus offer. 
I request you to kindly investigate this cheating and take necessary action in order to get my bonus from the bank. 
Thanks, XXXX XXXX
I have a 15 yr. fixed mortgage with Shore Mortgage and my loan was made in early 2014 with a PMI that was to be removed automatically when the LTV reached 78 %. My loan was for XXXX and the property had an accessed value of XXXX at the time of the loan. My goal was to pay off this loan in 10 to 12 years so I have made extra monthly payments that has lowered my LTV making it eligible for PMI removal.. My loan balance is now below XXXX and has exceeded the point where the auto removal should have been made. I contacted Shore mortgage and they want me to pay for a drive by appraisal of $ XXXX before they will remove the PMI. There is nothing in the contract about a drive by appraisal but I have no objection to this or even an inside appraisal but the fee for this should be on them. A real estate agent told me that she could quickly sell my home for XXXX. Now I am also told that if I do not pay the fee for the drive by that the PMI will continue until the date that would be the normal amorization of the loan for the 78 % if I had made no extra payments. This is a rip off and violates everything I have been told by Shore Mortgage represenatives as well as what is in the contract. What I want is for the PMI to be stopped and all overpayment above that required to meet the 78 % LTV to be returned.
Lender called my mother stated that if I did not pay {$600.00} I will go to jail. When I tried to get information regarding the account They stated the file was forwarded to the state to be processed and hung up in my face. Refused to give me any information regarding the loan. He stated his name was XXXX XXXX and he was very rude and unprofessional also stated that you people never learn before he hung the phone up in my face.
Issue : Student loans by   XXXX   XXXX   XXXX   (   XXXX  ) are  being reported as deferred, part of Chapter  XXXX , and delinquent at the same time. I have talked to   XXXX   who have assured me that the student loans are not delinquent. Also my bankruptcy does not include student loans ( Chap. XXXX  ).     I last contacted credit bureaus in   XXXX   XXXX   about incorrectly reporting student loans. They sent me a reponse saying that the student loans were being reported correctly. Also contacted all bureaus multiple times during   XXXX   and  XXXX .