WillisBack/dataset-financial-user-claim huggingface dataset:
I noticed XXXX listed on my credit reports and contacted them on XX/XX/XXXX in an attempt to verify the debt, as I had no knowledge of it. While on the phone, I was informed that it was for an ultrasound performed in XXXX. When I told the lady that I had never in my life had an ultrasound, she stated something to the likes of, " Sorry, wrong one. Let me see ... .did you have xrays or a CT performed? '' I then told her that what medical procedures or diagnostic exams I have had did not concern her. She then began to ask me for my social security number, I asked her why my name and date of birth weren't enough to pull up the account and also why she seemed to be taking shots in the dark regarding why I allegedly owed money. At this point she stated that the debt is valid regardless of what I say because they only service valid debts and that if I do not pay it, it will continue to sit on my credit report and I could eventually face a lawsuit.
I called diversified consultants inc. ( DCI ) located in Florida regarding a debt collection from XXXX XXXX for {$470.00} and they informed me that I owed that money as my last bill statement. This account has been reported 4 times to 3 different collection agencies and it was successfully removed in the past. XXXX XXXX can not charge me for an item that they said I should not bother paying for since the receiver was free and at no charge to me. When I moved out or my old apartment in 2014 I left the equipment there and called them but the representative told me not to worry because I am not responsible to pay for the free equipment.
Now the new collection agency- DCI were there threatening to damage my credit with this report. DCI actually denied ever reporting it on my credit report, but that was completely false because it 's on my XXXX and XXXX report.
They just want to force me to pay {$470.00} and refused to remove the account from my report.
Took a payday loan from a company Called North Cash. Their interest rate is like borrow money from a Loan shark. It is not right they treat the consumers like that. My loan was {$1500.00} dollars with a payment of XXXX twelve installment payments. That is insane an not right. I do n't understand why the interest rate is so high and why I ca n't pay them XXXX every two weeks. It 's not right.
On XX/XX/XXXX a young man by the name of XXXX XXXX contacted my husband about legal papers that would be served to me on Thursday, XX/XX/XXXX. I was confuse, so I contacted XXXX and he stated that he had authorization to serve me papers. So when I asked him papers for what he told asked me was this the first time hearing about this. I told him yes and I wanted to get more information about the debt. So he stated to me by law they should have notified me about the date before legal papers are served. XXXX XXXX connected me with a XXXX and when XXXX answered her line she indicated that she was with XXXX XXXX and she was collecting a debt for Advance America, she stated that Advance America has sold the account to her for collections. She told me the debt was for XXXX and they did not collect it from my bank so she is trying to collect it. I told her I did n't get notification from Advance America or XXXX XXXX and I need to get notification that the debt was not paid. I explain to her that Advance America did n't call me or did n't send me any correspondence about a debt, so how is it that XXXX XXXX want to serve me papers on something I am not aware of. XXXX for XXXX XXXX stated that by law Advance America does not have to notify me and the account has already been sold to them. She demanded XXXX by XX/XX/XXXX and indicated that she could take another XXXX on a later date and that would settle the debt. I told her ok, but before I give my credit card number over the phone I need paper work explaining the debt and where I could send the paper work too. XXXX indicated the only way I could get that information is to lock in a payment with her today and I refuse to give her my personal information over the phone. I called Advance America head quarters and they explain to me that the debt was sold and no they did not notify me because they just sold the account on last month. They indicated that they sold the account to XXXX XXXX XXXX and the number was XXXX. but they never heard of a XXXX XXXX XXXX First they called my husband about the debt and secondly they gave me false information about the debt. and I never received collection notifications about this debt.
My original lender was XXXX XXXX XXXX ; this loan was considered a private loan that my parents took out to pay for my college education. XXXX XXXX XXXX had switched servicers to XXXX XXXX. The original promissory note I have, shows my father as applicant # 1/borrower, my mother as applicant # 2/co-borrower, and myself as student. This loan originated in XX/XX/XXXX. My father and I share the same name and I feel that has added confusion. My father always made the payments on this loan, as well as, collected tax documents and deductions on this loan, as the borrower. In XX/XX/XXXX, my father passed away from XXXX. My mother contacted XXXX and she was told about loan forgiveness. She submitted my fathers death certificate and she waited 32 days for an answer. Unfortunately, they did not approve the loan for forgiveness. Instead, XXXX has switched me, from student, to borrower and my mother stays as co-borrower. How did I go from being a student on a promissory note, to now the sole borrower? I have called XXXX, and it has been unsuccessful. I have requested documents including the denial letter stating why the loan wasnt forgiven as a result of my father 's death, the promissory note they have on file, as well as the loan terms indicating that I am now legally responsible for this loan. I have had no success in retrieving these documents. I have been told that I am not entitled to these documents from XXXX and to contact XXXX XXXX XXXX for the promissory note. I was told by a XXXX representative that the promissory note they have on file is not legible and she couldnt confirm who was supposed to be borrower/co-borrower. I have contacted XXXX XXXX XXXX, for a copy of the promissory note, by email. I was told by XXXX XXXX XXXX that they do not have the promissory note and to refer to XXXX copy. I have responded to their initial email, requesting more information and they have not responded. There is no contact information for XXXX XXXX XXXX, just an email address. I am doubtful of the information I have been given. I feel I should be entitled to a copy of the denial letter, as well as a legible copy of the promissory note. I would also like to see a copy of the loan terms indicating how I went from being a student, to now the main borrower. I want documentation, and feel it is my consumer right, to have proof that XXXX has that ability to change borrowers and to choose who is made responsible. Though Im hopeful for your timely response and subsequent resolution of my issues, Im fully aware of the 'not-so-positive ' reviews/feedback given to XXXX XXXX and, therefore, will be prepared to submit additional complaints to the XXXX XXXX XXXX , and the Ohio Attorney General.
I disputed the issue but Experian decided to remove the account without initiating a fraud alert. Issue : an account under a collector showed on my report. I contacted them and my social number didnt match with the name they had in file. The company who hired the collector, was closed and the owner is currently facing a civil action by SEC due to XXXX of dollars in frauds. They stole my social security number. Their company address is the address that appears under my social security number for the Experian collector account.
Here are my notes from this dispute ... XXXX says i have A {$5000.00} loan dispirited to XXXX in which i was unaware of, XXXX never received, it is not on the national student loan website and there is no promissory note for this loan provided. It is ruining my credit score!!!! On top of that, i did have a {$2500.00} loan for XXXX University which i knew About, was applied towards XXXX and XXXX ( what was left over i only Attended XXXX for one semester ), i have And was provided a promisorry note on both sides and is on the national student loan website. They took my payments and dispersed my payments to both loans showing i never Paid off my original loan even though i did. Forced me into forbarence and did not offer me a repayment program due to my income without my knowledge. Ive disputed this with them and ombudsman group and i am Taking further action due to my age, family, income, and credit score diminishing due to this frustration. I just Want the loan removed as i never Signed for it, was granted it ( my parents make too much money ) and never received the loan! 
Student LOAN Ombudmanson says there is a promissory note false signature file dispute they say there is a note through XXXX  for a promissory note but none has been provided or found when asked from XXXX XXXX XXXX  ask for promissory note for XXXX loan and dispute for a false signature case XXXX if they dont resolve it call ombudmanson back XXXX   dispute : XXXX received promissory note for XXXX XX/XX/XXXX XX/XX/XXXX ombudmanson group case number : XXXX XX/XX/XXXX feedback.studentaid.ed.gov case number XXXX submitted dispute XXXX days pw : XXXX 
called XX/XX/XXXX to follow up because i did not hear from someone transferred to ombudsonsens group - closed with emailed me on the XXXX of this XXXX XXXX complaint case number need to call the ombudmansons group again - XXXX XXXX XXXX XXXX ombudmanson group new case number XXXX studentaid.gov/ombudmanson sending forward today contacting in 7-10 business days Gave up due to XXXX lawsuit in progress
I am being contacted by a collection agency in reference to a vehicle that was obtain thru identify theft. I called and wrote to BMW finance explaining the situation but I have not receive and Identity theft report to fill out and send back.
Our XX/XX/XXXX statement inaccurately indicates a past due amount of {$140000.00}, and erroneously stated we have not made any payments on the account since XX/XX/XXXX. The attached Trustee Ledger of payments to Wells Fargo Mortgage during Case number XXXX was {$75000.00}, which to date has not been credited to the account, while Wells Fargo Mortgage and the XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX via Attorney XXXX XXXX is moving with lighting speed to unlawfully foreclose our home without providing us the correct and true amount that is past due. We have submitted numerous Qualify Written Request ( QWR ) Pursuant to 15 USC 1692g 809. Validation of debts and California Rosenthal Fair Debt FDCPA requesting the following documents in order to validate what is actually owed on our account prior to Wells Fargo Mortgage proceed with foreclosure on the property to no Avail : ( 1 ) Account Payment History from XX/XX/XXXX thru XX/XX/XXXX. ( 2 ) Reinstatement Work Sheet ( 3 ) Detail documentation as to how the {$75000.00} from Chapter XXXX Case NO : XXXX was apply and credited to our account. ( 4 ) Any and all charges for delays posting our payment to the account. ( 5 ) Any assesses an incorrect late charge amount. ( 6 ) Any pyramids late fees ( Pyramiding occurs when the loan servicer takes the assessed late fees from the regular payment and leaves part of the scheduled payment overdue ) .as Federal regulations and California State law, and mortgage contracts prohibit this practice.
I have contacted Transunion, XXXX, and XXXX several times via phone and certified mail on multipe occasions in regards to inquiries that I did not authorize or was not familiar with. It makes it look like I'm begging for credit, and that is not the case. I am trying to qualify for a home loan, and it makes it difficult when they're checking credit and I have inquiries from places that I didn't inquire credit from. I have disputed and reached out to bureaus several times and they say the same thing repeatedly. The companies either need to send proof of validation or it needs to be removed. The following inquiries that were not authorized are as follows : XXXX XXXX XXXX XXXX XXXX 'XXXX XXXX XXXX
I placed a freeze on my credit with all 4 credit reporting agencies. 
I paid each credit reporting agency at the time of placing the freeze. 
I am in the process of moving and have to open a new bank account. 
Transunion is trying to make me pay to temporarily lift the freeze I placed. 
I should n't be punished for proactively trying to avoid being a victim of identity theft- I already paid for the privilege of attempting to protect my credit information and should not have to pay again, and again, and again.
Issue is not well described in any of your choices. It concerns a policy in place at my bank which is illogical if not indefensible. I have banked at same branch for 10+ yrs., credit rating exceeds 800. An attempt was made to scam me via XXXX which failed. During discussion with my bank mgr., BEFORE depositing check into my account I learned ( Wed., XX/XX/17 ) that if I had deposited the check ( corporate check made out to my name ) it would have been rejected as fraudulent and all MY accounts would be frozen. This was accompanied with discomforting comments about how difficult, time consuming and very expensive it would be to have the accounts released. 

This does not seem fair to me. Why would n't the bank simply reject the check and, possibly, charge me a returned check fee? Since I never asked for cash and understood the check would take some days to clear I do n't see why the bank should " lay claim '' to my money for an indeterminate period of time when they have not parted with any of the bank 's assets. 

I can only imagine the intention is to hold a known, guaranteed amount ( my accounts ) while they reap interest for investing my money over a short period of time from which they will enjoy interest return on investment. On previous occasion I presented bank certified cashiers check for deposit at same branch, expecting the funds to go in as cash. I was told they would be held for one week " to clear ''. I demanded the branch mgr. call the issuing bank to verify the check which he did in front of me. After a brief conversation with the issuer ( 5 min. +/- ), suddenly the full amount of the check was made available as cash in my account. If this were bank policy, law or regulation their initial decision should not have been changeable just because I challenged the absurdity of it. Again, my money ( known to be backed by valid check ) is in their hands for investment for a week with no justification I can see. I am available for discussion in detail if needed, assuming you can simply respond to this submission.
I have been making payments to Ameritech Financial for 3 years and they have made no payments on my student loans.
On XXXX we purchased a new 2017 Nissan XXXX XXXX and financed it with Nissan Motor Acceptance Corporation. 

When we were deciding on a vehicle, the salesperson informed us that the vehicle came with the Nissan Navigation System. The system is used in the vehicle for mapping as well as many online options through your smart phone. 

We tried to connect the system to use with our vehicle ( after purchase ), which included downloading the " application '' on the smartphone. 

I went to the Nissan website and referred to the instructions. The website also stated that this option is available with our vehicle. I tried to follow the steps to utilize the system. In the process, I spoke with a representative of Nissan, and she confirmed that the system is applicable to our vehicle. I tried and tried, finally getting to the point of inputting the vehicle VIN. It was at this time that the website indicated that the package was NOT applicable to our vehicle.

I feel the salesperson was misleading to us as well as the Nissa
n website, and again, with the rep from Nissan.

I feel this is false advertising as the system was one of the reasons we decided on this particular vehicle.
I had a Capital One/GM card for many years and used it to build up dollar credits to be used when purchasing a new XXXX automobile. I always paid my balance in full at the end of every month. Upon returning from vacation in early 2014, and retrieving my held mail from the post office, there was a Capital One bill in the mail stating I owed XXXX plus a late fee charge of XXXX. I immediately contacted Capital One. After explaining that I had just returned from vacation and found this bill in my mail, the supervisor agreed to waive the XXXX late fee and accept my XXXX as payment in full. I paid immediately thinking all was well with my Capital One account. Some time later I tried to use the card and it was rejected. I called and the representative informed me that my card had been cancelled due to delinquent payment. 
I am now purchasing a new XXXX vehicle and upon trying to use the Capital One/GM credits I had accumulated over the 10 or so years I used this card, I was told the credits are expired and there would be NO WAY of retrieving any benefit from the expired dollar credits. 
It 's my contention that Capital One unfairly cancels customers cards with very little provocation in an effort to extinguish their purchasing dollar credits and thereby saving Capital One or GM large sums of money.
On XXXX XXXX, XXXX, my house went into foreclosure and Owcen was notified and confirmed that the house was indeed foreclosed and they were going to notified the XXXX credit bureaus ; XXXX, XXXX, XXXX, and update their file. Upon further investigation, it was reveal that Ocwen continue to show that the loan was open and activity on the loan until XXXX XXXX. In addition to showing the loan as active, Ocwen reported to the XXXX credit bureaus that I was 120 to 180 days late when in fact the loan was closed and house was foreclosed on XXXX XXXX, XXXX.
I am attaching the investigation request I sent to Equifax and XXXX XXXX on XX/XX/XXXX. Both have taken longer than 30 days to respond.
On Wednesday, XX/XX/XXXX, I applied for a loan to buy out the lease for my XX/XX/XXXX XXXX XXXX in a Fifth Third Branch on XXXX XXXX XXXX, XXXX, OH XXXX. The name of the banker was XXXX XXXX ( XXXX ). I brought in all of the paperwork from the original signing of the lease agreement ( which he made copies of ), and told him that I wanted to apply for a loan to purchase the car when the lease expired. 

I was very clear that I was in a lease, and the paperwork I brought in that I gave to XXXX XXXX specifically indicated a retail lease order. There was absolutely no confusion that I wanted to buy the car upon the expiration of the lease. My wife was also present during the meeting and can verify this information. 

In order to process the loan, XXXX asked me to complete a loan application along with a credit check. I was then told that underwriting would ask me for certain documents before I would be approved. XXXX sent an email that said I needed to provide a " bill of sale '' for the loan to be approved. When I called XXXX to request that information, they said that document couldn't be provided, but they would send documents to Fifth Third to process the lease buyout. 

On XX/XX/XXXX, I then went into a Fifth Third branch at XXXX XXXX XXXX, and spoke with the manager onsite for the fax number so that those documents could be sent. She then called underwriting, at which time she was told that Fifth Third does not sell loans for car leases. I called Fifth Third 's customer support number and talked with two additional individuals who all told me that they didn't sell lease buyouts. 

I submitted a credit application having been told that I was applying for a lease buy-out. This information I was told was false.
I have disputed a account on my credit report which is a XXXX card that XXXX is reporting as a charge off and failure to pay certain months. This account is not a charge off as it has been paid in full. XXXX will not update my credit file correctly. 

The account is a chase card with the address : XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX Address is XXXX. XXXX XXXX XXXX, TX XXXX
I received a phone call from XXXX XXXX XXXX on XXXX XXXX,2015 and the representative stated I had an account with Old Navy and the balance is {$1000.00}. The representative stated the original balance was {$350.00}, but with court cost and fees the balance is now {$1000.00}. The representative stated I would need to pay settlement balance in full of {$300.00} in 10 days or I will be subject to arrest or property seized. I immediately hung the phone up on the representative. XXXX XXXX XXXX called my phone back to back, but I did not answer.
American Credit Acceptance is the loan company. First problem is the interest rate was 25 % and the issue is i bought the vehicle from XXXX with ACA as the lender with {$1000.00} down. The vehicle broke down within a month and I had to put over {$1500.00} into the truck to get a new rear end in the vehicle. After that I had the payments for the truck I spoke to them about it got a 3 month break, yet I found out a few months after that back in XX/XX/XXXX that the truck would not pass inspection without getting a new bed of the truck which cost $ 1500- {$3000.00}. On top of the repair bill, the monthly truck payment, as well as trying to get it to be pass state inspection I was struggling. I spoke to a lady at ACA about trading the vehicle in so i was told to wait on making the payment after XXXX. So today XX/XX/XXXX they Repoed the truck and told me I needed {$1400.00} to get it back along with storage fees, etc. Also, if i could not afford to get the vehicle back I was informed that if the truck sales at the auction I would still have to pay the difference even though I paid over {$2000.00} to get the trucked fixed to get it to run due to being sold a lemon from XXXX and the ACA. When I went to trade the vehicle in i was told I needed to have {$2000.00} down in order to get loan with trading in the vehicle.
My credit file and information has been improperly used by Equifax without my knowledge or consent. I was identified to be affected by the security breach at Equifax. I believe my credit report is inaccurate due to this, which has damaged my credit score and hampered my ability to rent apartments, apply for loans and establish credit.
Jefferson Capitol calls repeatedly and harasses you and will threaten you. I have sent in paperwork to show proof of fraud but they still harass me and do n't care that the debt is not mine. I have asked for proof and validation on several occasions and still not received anything except for more harassing phone calls and demands for payment.
This is a complaint filed in reference to the security breach through Equifax. I am a XXXX XXXX, and am now having to arrange for a Fraud Alert and other issues related to this while abroad. 

Equifax has put a lot of people 's futures, including mine, in danger. Not providing citizens with appropriate information AS SOON AS they knew of a breach, and protecting these citizens FIRST WITH OUT QUESTION, should have been the first course of action they took. Instead they expect people to investigate their options on their own, and ask them to waive their rights to a class action suit, if they use the free protection they are supposedly providing. They are preventing anyone from holding them accountable for their irresponsible actions, by requesting that the very people they compromised give up rights to holding them accountable in one of the only ways that they can. It 's abuse of power they no longer deserve.