WillisBack/dataset-financial-user-claim huggingface dataset:
I received a letter from National Credit Systems, XXXX XXXX XXXX XXXX, GA XXXX letting me know that I had an outstanding debt of {$3400.00} to a company called XXXX. I called them back at XXXX and after they checked my identity, they told me that it was n't me so i did not have to worry about it. A couple weeks later they called me again asking me if I was going to pay this debt, again I explained to them the situation and after a long conversation they understood it was not me. 
Fast forward to XXXX/XXXX/16 I received a credit report alert telling me i had a new negative loan on my account. Checked it and it was them. They had added it to my credit report without my social security. I do n't understand how they can do that but it was there. 
I called them and spoke to a XXXX XXXX who is in charge of the account # XXXX. After she rudely asked me for my information and I gave her my SS she proceeded to tell me that it was not me and she could not give me any more information on how it was added to my credit. She said that I could dispute it with the credit company but that she was not able to do anything about it. 
I called her yesterday to see if anything had changed and left a message, so i called her again today XXXX/XXXX/16 and now she told me that i have to submit a fax with my credit report, my SS card, my drivers license, and all this other information, and that there investigating team would look at it and get back to me in possibly 2 weeks. 
It is companies like NATIONAL CREDIT SYSTEMS that take advantage of people and get no punishment for doing things like this. It is up to me to prove to them that it is not me when they knew it was not me in the first place. We need to do something about this.
I got XXXX and was off work for a couple of months and we got behind on the mortgage so I wanted to do a modification and went through the process we sent in all our information and waited on their response. Finally we got a letter in the mail informing us that our mortgage payment has went up over XXXX dollars a month for the rest of the loan. Our payment went from XXXX to XXXX for the remainder of the loan. We were told to pay the new monthly payment or they will take home. After talking to many different people asking why our mortgage has went up someone finally told me that after looking at our finances they determined that we could afford the make the higher payment and if we could n't we would have to do a short sale or get our home taken. This is the WORST mortgage company in America!!!!!
I don't understand why once again XXXX Nationstar Mr. Cooper ADDED the following comment BACK under my VA mortgage loan with regards to a Natural Disaster that has not happened to my residence nor area. This is once again being submitted as well to my insurance company and FEMA. 

I do not understand why additional false reporting is being done by XXXX Nationstar Mr. Cooper after each complaint I file to the CFPB. There is a serious issue and pattern of misconduct going on and I need answers. I need this ONCE AGAIN REMOVED from my credit report. 

Also per last complaint to the CFPB, I need all payments be reported to the credit bureaus so I can move forward with my personal bank taking over my loan to refinance since this issue seems to never be resolved per XXXX XXXX, refer to XXXX Nationstar Mr. Cooper taped phone conversation. 

Here goes ANOTHER CFPB complaint. 


Sincerely, XXXX XXXX Updated Account Information XXXXNATIONSTAR MORT - Remark Added to Account Remarks are meant to make your report more clear. If you're not sure what this remark means or where it came from, you can contact your creditor or the credit bureau for more information. 
Between XX/XX/2018 and XX/XX/2018 the following remark was added to this account : Affected by natural disaster
I received a letter from IL XXXX XXXX XXXX XXXX saying they were going to get a judgement against me for Jefferson Capital services, LLC for an original debt to XXXX XXXX. I do n't believe I ever owed a bank by that name and if I did it was many years ago. I believe I have paid off my old debts and this does not appear on my credit report so I suspect it is a fraud.
I HAVE ALREADY FILED A DISPUTE WITH XXXX, I RECEIVED A RESPONSE FROM THE ORIGINAL DEBT COLLECTOR, AND XXXX. STATING : THAT THEY VERIFIED THE ACCOUNT AS LEGALLY BELONGING TO ME. IT DOES NOT BELONG TO ME, THIS ACCOUNT WAS OPENED ONLINE WITH XXXX XX/XX/XXXX BY A TENANT LIVING IN OUR HOME AT THE TIME. A POLICE REPORT WAS EVENTUALLY FILED, AND I DISPUTED THE ACCOUNT AS MISREPRESENTATION, FRAUD, AND UNAUTHORIZED USE OF PERSONAL INFORMATION TO GAIN ACCESS TO SERVICES OR CREDIT, TO XXXX AND XXXX. 

THE COLLECTIONS COMPANY " DIVERSIFIED CONSULTANTS '' SENT ME A LETTER THE OTHER DAY XX/XX/XXXX ( THIS IS THE THIRD TIME I'M, TRYING TO REMOVE THIS FROM MY CREDIT REPORT. )!!! 

BALANCE OWED ALLEGEDLY : {$480.00}
Shortly after we moved out of our apartment, XXXX apartments put a {$500.00} collection on our accounts. We left the apartments in good standing, having paid the last month 's rent prior to moving out. XXXX had also never notified us of any additional amounts owed after we moved out. I managed to come across the collection as an alert had come through on my credit monitoring application. 


Me nor my wife are responsible for anything that happened to the apartment after we turned in our keys. I am requesting a full disclosure and verification of debt on this account. I would really like this matter to be resolved as early as possible.
XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
I took a hit of about 50 points on my credit report from equifax with no alert from them after having fraud alert put on my SSN months ago. I believe Equifax was hacked and now my credit is XXXX. I have so many hits from XXXX XXXX that I have never applied for
2 monthly mortgage payments drafted my account within a couple of days of each other. I went online and changed my payment draft day to XXXX/XXXX/16 iao {$1200.00} and the payment drafted but a few days later another payment iao {$1400.00} drafted which caused by account to be overdrawn. I contacted Chase and spoke with a rep regarding the double payment and he put in a request to reverse the {$1400.00} payment ONLY as requested. All that needed to be done was to reverse that payment and my loan would have been fine because the {$1200.00} payment which drafted on XX/XX/XXXX would have satisfied my XXXX XXXX payment and would have me due for XXXX XXXX payment. Trusting this was an easy fix of just simply reversing the 1 payment ... .. I followed up a week later and to my surprise the automated system advised me that my last payment made was in XX/XX/XXXX!! I made a payment on XXXX XXXX iao {$1200.00} which satisfied my XXXX XXXX payment but somehow that payment was now showing as " not recieved ''. Apparently, when reversing the payment of {$1400.00} for some ungodly reason Chase decided to also reverse both payments from XXXX XXXX and XXXX XXXX. I could maybe understanding reversing the XXXX XXXX payment and making sure everything was applied correctly but for the life of me I cant understand why the XXXX XXXX payment was reversed from my account ... ... Why reverse a payment that has been posted to an account for nearly a month? So, after being advised they were still researching the issue I made the decision to go to the local branch and make another payment of {$1400.00} yesterday to bring my account current because the system was still showing me due for both XX/XX/XXXX and XX/XX/XXXX payments. I did this because of fear that I would have derogatory reporting to my credit report and now I am fearful that somehow you guys will show my XXXX 2016 payment as being 30 day late and if that occurs I will contact my attorney and file a lawsuit against Chase Home Loans. I originally made a payment on XXXX XXXX which covered my XXXX 2016 bill and I need written confirmation that this issue will not have a negative impact on my credit report.
I received my credit report XX/XX/XXXX because I had finally become financial able to buy my first home. I saw that XXXX XXXX XXXX was on my credit report saying I owed them {$990.00}. They were reporting on a XXXX XXXX credit card that I did not have. I disputed both accounts with XXXX XXXX, XXXX XXXX XXXX and all XXXX credit bureaus. Neither company nor credit bureaus will send me the proof proving I owe the money even after disputing this account for a total of 3 months. I would like for both companies and the XXXX bureaus to send me proof, such as a customer agreement I signed or some kind of promissory note with my signature, ID, and social security card proving its my debt. I would like a detail response as to how the information is being verified, and I would like a detailed payment history, if not I would like for the company and all three credit bureaus to remove the incorrect information from my report.
XXXX ( XXXX ) from New Era Asset Management has called my workplace on the unsecured line, called other phone lines in my name, very aggressive nature and states he was told to contact me for a complaint filed in XXXX County for a debt that I owe. I have not received any written documentation from his company regarding the debt or a chance to call them with a resolution. I am recently employed after being laid off 2 years ago and along with caring for my XXXX sick mother and also dealing with my own health issues, I have fallen behind with a lot of debt and will need 3-6 months to get caught up. XXXX states that the " smart '' thing to do would be to call him back. He also states that he knows where I work- this statement implying a threat to interfere.
XX/XX/2017 - {$1.00} was charged to my closed credit card account When my account was requested to be closed over 3 months ago, BofA did not monitor fraudulent deposit going into my closed account for 3 months and they did not send me my final bill.

In a letter over 30 days ago, BofA stated that they will not assess any fees to my closed account till all the fraudulent deposit was reversed/expensed out and they will provide me a final bill. Then on XX/XX/2017, they went back and charged me a {$1.00} late fee and went back on their word.

The problem was BofA did not give me a final bill because there were over {$10000.00} of fraudulent credit going into my account, while they were reversing the money laudering credit with the use of my closed credit card account ... they never send me a bill saying how much I was to pay, I made assumptions the last month and mail some money in, then a statement showed up now that I still owed

{$50.00}, off course, if that 's the final bill to end this fiasco, I had made an immediate overpayment with the {$1.00} minimum interest charge included. But please, as my 3rd CFPB complaint, send me my {$1.00} for screwing with me!! ... of which {$1.00} divided by {$48.00} x 12 months = 37 % annualized interests being charged ... BofA are crooks!!!
Since XXXX 2015 I 've received numerous calls on my prepaid cell phone which has been on national do not call list for years. The caller ID shows that the caller is XXXX. I tried calling back that number today and was put on an endless loop of " Your call is very important to us. Please continue to hold for the next available rep. '' After 5 minutes of waiting on hold I hung up. Next I called the number given in the many voice messages left on my phone by this caller. The voice msg only said call XXXX XXXX at XXXX. It did not identify any company. I waited on hold for approximately XXXX minutes with the same message repeating over and over and finally XXXX XXXX picked up. i asked to speak to XXXX XXXX. She said XXXX was away from her desk. I asked XXXX what the name of her company and she said GC Services representing the state of Illinois XXXX XXXX XXXX and asked me if i am XXXX XXXX. I asked XXXX what the call was about and she said this is an attempt to collect a debt. I said what debt. She said the state of Illinois XXXX of XXXX. XXXX also asked me to verify my social security number but I refused to confirm or deny that. I told XXXX I 've never lived in Illinois, I have her on speaker and do not call me anymore. It 's my understanding that these kind of debt collection calls are very common right now. Somebody should look into this. What good is a National " Do Not Call '' registry if anyone can get your cell number, annoy you, waste your precious prepaid minutes and your time and get away with it?!
Experian Credit Agency keeps sending me letters say that my information does not match ; my Social Security number does not match my name. I 've done everything in my power to prove that is does. I 've sent a copy of my Social Security Card, my photo ID, my XXXX, a utility bill with my address. I also went to Social Security Administration Building and had them verify all of my information. Social Security Department wrote a letter to Experian stating that my name matches my Social Security Number with notarizing it. And yet I 'm still receiving the same letter from Experian stating that " The Social Security number you gave us does not match the identification information in our database. ''
Several times in the past week, Recievables Performance Management LLC has contacted me before 7 am.  The people calling can not even communicate ( though I asked where they were from and what it was about repeatedly, I could never understand until I got a letter a few days later ). Furthermore, the supposed debt they are trying to collect is completely bogus, but that 's for another complaint.
Bank of America and XXXX XXXX has been conspiring to coerce me to pay a debt that 's not mine. Initially, Bank of America advised the CFPB the debt was reinstated after their agent filed a Notice of Rescission. Now, Bank of America has stated the Notice of Rescission is invalid and ineffective. Therefore, XXXX has no debt to collect that Bank of America allegedly assigned. However, XXXX XXXX is still reporting this alleged debt on my credit reports adversely without any substantiation and refuse to remove it.
I made a XXXX rental car purchase ( Recommended by Chase ) via XXXX XXXX XXXX. When I was at rental car place the invoice came out to be {$220.00} and I was told that " everything was prepaid ... [ I ] have to signed the contract to pick up the car. '' After two weeks, the charged show up on my credit card and when I called CHASE to dispute the charge, after 4 hours of waiting CHASE was not even tried to help me but referred me to XXXX and closed my dispute without solution! After I called XXXX, the rental car service said I signed contact and the charge is not disputable. Now a helpless consumer, I have to pay for this scam hosted by TWO COMPANIES, CHASE ( refer and protect their partner ), XXXX ( force you to sign misleading contract, and so called protected by LAW ).
My wife went to XXXX and attempted to make a purchase, it was declined. She attempted the same purchase again, it was declined also. However, when I looked at the statement, both purchases were taken out of my account. I contacted Bluebird by American Express, my prepaid card company. They started a dispute, and after about two weeks with no update, I called again. I was told they have no update and that I could not speak with the dispute team because they are a BACK office and have no phone number. I went to the store and found that neither of the transactions were in their system, with the transactions being declined, that is normal. I have been waiting for 6 weeks and I still do not have any update or my money back. Any help in this matter will be greatly appreciated.
I had my credit report pulled for a mortgage application and when it was pulled, a collection for XXXX ( XXXX ) showed up on the report. The collection agency was listed as Stellar Recovery and the amount was for {$170.00}. Since the initial creditor was XXXX ( XXXX ), I called them and paid the balance of # XXXX on XXXX XXXX, 2015. This closed my account and zeroed the balance. When I inquired about Stellar Recovery, I was informed that collections would no longer take place as my balance was now zeroed. However, it is XXXX, and the collection remains on my credit report despite having a zero balance with XXXX ( XXXX XXXX.
My mortgage was charged off by XXXX the lender in XX/XX/XXXX. In XX/XX/XXXX Shell point Mortgage servicing was trying to collect this debt for the XXXX I made a offer to settle the investor accepted the offer and then Shell point notified me of the charge of in XX/XX/XXXX by the investor and disregarded my offer to settle. Now that the debt is charged off by the investor I want the mortgage released by the investor. I have contacted Shell point several times and have now been instructed by them to put the request in writing under ORC 5301.36 the investor must release the mortgage. In Ohio, a lender must record the satisfaction of a residential mortgage within 90 days from the date the mortgage was paid off. If the mortgage lender fails to comply with this requirement, the borrower may recover, in a civil action, damages of {$250.00}. This provision does n't prevent the borrower from seeking any other remedies that might be available to him or her. See ORC section 5301.36.
XX/XX/XXXX I attempted to purchase a sample product from the XXXX XXXX cosmetic line. When I completed and submitted my information, the notification indicated the company as XXXX XXXX. When I realized I was taken/defrauded there was no way to cancel the order. The initial charge of {$4.00} was charged to my credit card. Ten days later I was charged {$98.00}. I contacted Chase and notified them of what happened and directed them not pay the charge. I was assured the charge would not be paid. However, after five months of waiting on the credit and calling every month, XXXX XXXX at Chase indicated I had to start the process all over again and submit my issue in writing. Since XX/XX/XXXX I have spoke to XXXX different Chase employees and I was told each time that they were sorry about their error and assured me the credit would be posted to my account. Now five months later I have to start all over again. When I asked to speak with someone in Management, XXXX informed me that management does not speak to Chase Card holders and he had the final say - which was start the process all over again. After five months of explaining what happened and Chase employees assuring me the credit would be apply to my account, why did Chase lie to me? XXXX XXXX made it very clear that Chase has no intention of assisting me in this matter. XXXX has all my information. XXXX can directly come after me for reimbursement if they truly felt they had a case against me. However, with Chase paying these erroneous charges, it only supports these companies scamming consumers. Once again, Chase refused to honor my request and paid this charge. I should not be held responsible for this charge. Chase should have honor my request not to pay this charge and my account should be credited {$98.00}.
My Loan Company is UAC, they call my References stating I have applied for a job with their company and they are trying to reach me. 
XXXX one of there Reps sends me Repo letters when my payment is late one day.
The company said they mailed forms to me a post office box address which I never had. when I became aware of the issue in XXXX 2015, the representative asked me questions about the account and VERIFIED that the information on the account did not match my address, email and phone number. So she advised me to update my personal information so whomever opened the account would not be able to access it. The Rep. gave me a address in Georgia which i never was a resident of so I gave her my current address which was XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX. The date that account was open, I had no access to any kind of communication due to the fact that I was in basic training for the XXXX which I sent in the info the USAA proving that I was n't able to open a account. A couple months after I initially became aware of the account, I reported it to USAA fraud department, who said that my address and contact info matches which was XXXX XXXX XXXX ( The address that they updated not the original address used when the account was opened ). I do not believe that I should be liable for a account I was n't possibly able to open.
I received an auto loan from Santander in XX/XX/XXXX for a XXXX XXXX. I fell on hard times and didnt pay my note for two months. They repossed the car. I paid the money to get it back. I didnt even get a notice that it would be repossed. 

It is now XXXX. I have paid over 16,000 toward the car and I still owe XXXX. I bought the car for XXXX. Every time I call I am never given the proper explanation. I have been taken advantage of and I know something isnt right with the interest rate. I just need a lawyer to look things over for me. Even when they give me a pay off date I divide the money I owe by my monthly payments and the payments far exceed the date they gave me. Can someone please help with this and let me know if there is a class action suit in Michigan against them.
each of the XXXX companies has docked me because of a first mortgage omission. 

well, guess what? I do n't have a mortgage
It appears that the Ocwen mortgage loan and the XXXX XXXX bank loan are showing as XXXX separate mortgages. The XXXX loan was transferred to Ocwen during the Short sale process. I was told that due to the opening dates being the same, it is appearing to other potential lenders that they are XXXX separate mortgages. This is severely affecting my borrowing abilities and request it be taken care of. Neither lender will work with me on this dispute.