WillisBack/dataset-financial-user-claim huggingface dataset:
Basically this institution ( the XXXXXXXX XXXX XXXX XXXXXXXX ) falsely misleads students into the thought that this program can be completed in three years. With the very challenging schedule and work behind it, I was not able to complete the school. I got to a point where I couldnt progress any further. The Institution is no longer in business and there are multiple lawsuits out there claiming the same as I am. I dont feel that it is fair that I have to pay all or a portion of this $ XXXX loan when I was misled. Not to mention, if i decided to try this course again, I wouldnt be able to because they are no longer in business. Please help.
On XXXX/XXXX/17, I reviewed my XXXX credit bureau reports, and mailed dispute letters detailing multiple inquires that I did not recognize OR authorize. There were only a few on the reports that actually belonged to me, so they were not included in the dispute letters. I am not sure if this is due to fraud, but I did not ask authorized these companies to access my credit reports. I would like to clear up these multiple errors.
I have attached the letters that were sent to each Credit Bureau. The applicable inquiries are listed in the letters. The mailed letters were signed and dated.
I writing you because I have no success with the credit bureaus or creditors. I check my credit everyday. I keep getting inquires on my report. Clarity Services Inc pulled a hard inquiry on my report. I have no ideal who this is. I called and no one knows anything. The reported on my XXXX. Notifying XXXX they never do anything. Hopefully you can get this company to remove this from my report
Nelson Cruz and Associates called to collect a debt discharged in bankruptcy over 10 years ago. Accused me of fraud due to " cross collaterilization '', threatened to " flag '' my car ( whatever that means ) and overinflated the amount of the original debt. Told me that the debt was not covered under my bankruptcy, which it clearly was, and regardless of that, the statute of limitations would certainly apply. Their tactics are scummy and unethical.
I was shocked when I reviewed my credit report and found late payment on the dates below : Account number : XXXX 30 days past due as of XXXX 2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
While reviewing my credit report, I saw multiple unauthorized credit inquiries displaying that I have no recognition or knowledge of. I made numerous means of contact via writing and by phone to all companies requesting to them to investigate the unauthorized inquiries and for them to contact the 3 Credit Bureaus to have them permanently delete/remove these inaccuracies from my credit report. I was informed over the phone that they have no way of getting those unauthorized inquiries deleted and for me to make direct contact to the credit bureaus to start the disputing process. Many of these companies, initially gave an issue with verifying any of my information because they wouldnt accept the given information found on my credit report, they wanted my full/ last four digits of my Social Security Number which I refused to provide due to my rights under the FCRA laws. I contacted Experian several times by via phone and mail requesting for these unauthorized inquires to be removed from my credit report because either them or any of these companies listed were unable to provide me with any signed statements or contracts to indicate the origin of this collection debt/inquiry, to resolve this matter, since I have never had any dealings at any of these companies at the date of these unauthorized inquiries. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a consumers credit report without a " permissible purpose, '' so performing a " hard inquiry '' on my credit file ( s ) without my permission is a willful violation of the law. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Also, I will like to have a new copy of my credit report to reflect these changes/ removal of the unauthorized inquiries.
Here are the unauthorized inquiries that needs to be removed/deleted from my credit report : XXXX- XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
I have submitted several debt validation and verification requests to Resurgent Capital Services over the past year. The most recent communication I have received from them was on XX/XX/XXXX that stated that they believe my request for debt validation was " submitted on a form supplied to you by a credit repair organization. '' And that they refuse to investigate it because it is " frivolous and irrelevant. '' On XX/XX/XXXX, the above stated company received a certified letter from me that was typed with my name printed in blue ink pen. As it has been 30 days since they have received my request and have yet to respond I would like to file a complaint.
I have requested on numerous occassions to have the extra money I send in each month to be applied to the loan 's principal. Wells Fargo is future dating my account rather than applying these funds to my princiapl. In an effort to pay off this high interest loan, I have been making weekly payments of {$100.00} in an effort to pay off the loan quickly. I currently pay through my bank by auto deduction payments. So, for four years I have been paying the loan off by paying {$400.00} per month ( {$100.00} a week ) therefore, {$5200.00} a year. Wells Fargo is future dating the loan and also applying these extra funds to interest. 

I have called, written, complained, etc. to no avail.
I have disputed the information for accounts that were opened in my name  by someone who stole my identity.   You guys had removed the XXXX accounts for XXXX and reinserted them..  I will say this again.. Again.. And again..  I have never lived in New Mexico and I never went to the doctor in XXXX NM.  I have filed an identity theft report with the FTC and with the XXXX NM polcie Dept.
I do not have a signed contract nor any contract with Portfolio Recovery Associates. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX XXXX. I am not responsible for this debt with Portfolio Recovery Associates.
I PREVIOUSLY DISPUTED AN ACCOUNT THAT WAS REPORTING ON MY EQUIFAX CREDIT REPORT. THE NAME OF THE ACCOUNT IS XXXX XXXX XXXX ( XXXX University ) AND THE AMOUNT IS {$1100.00}. XXXX XXXX XXXX SUBMITTED A REQUEST TO HAVE THIS ACCOUNT REMOVED FROM MY CREDIT AND I HAVE NOTICED THE ACCOUNT IS STILL PRESENTLY ON MY CREDIT REPORT. EQUIFAX NEEDS TO DELETE THIS INFORMATION AS THEY HAVE ALREADY RECIEVED THE REQUEST FROM THE REPORTING COMPANY.
I leased a XXXX vehicle through Chase for a XXXX XXXX XXXX XXXX. 

I was sent a letter from Chase bank notify me that if I released another XXXX, they would pull me out of up to five payments. 

When I went to the dealership, they informed me ( basses on what Chase told them ) that I had eight payments left on my car. The dealership agreed to make three of those payments for me, and that would satisfy my obligation. 

It turns out that I only seven payments were owed on the car, and had the bank accurately notified the dealership, my negotiations with them would have been differently based on the fact that I did not owe as much as the bank was stating. 

This indicates deception, or at a minimum misleading information being provided to both the dealership and me as consumer. 

Whats more, the bank continued to bill payments after I turned in the car ( on XX/XX/XXXX ) and as of today, they have given me no indication that I will reimbursed for those payments.
I have student loans and they were defaulted because of a car wreck I was in. My family and I were   XXXX   XXXX   XXXX   XXXX   XXXX  , resulting in  a death of a family m ember.     Upon getting my life back together, I completed t he rehabilitation     program and pai d 9 consecutive payments on time for 9 mont hs. As a result, these loans are suppose to be reported on my credit as back in good standing and remove the negative marks. There are  XXXX  loans that have yet to be cleared from my credit as promised. And these are reported by different servicing agencies because they sell them and pass them around so it looks like there are more loans than there actually is and my negative accounts number are  3 times  as many I have called for months and never able to get answers or someone to help me. I will do whatever it takes to get this done. I have completed the program and this business did not do as they stated. it is a scam.     I will be consulting an attorney and reaching out to media outlets if this is not fixed..
ACI - American Coradius International LLC contacted me with a request for full payment for an amount due on my XXXX account. I closed the XXXX account and have made regular payments to XXXX. The account is not behind and is in paid each and every month.
I spoke with the loan company and they said they would put a deferment on my account. This was not done. Furthermore and most importantly I have one account number to reference to that is supposed to apply my payments to both the subsidized and also the unsubsidized loans. For some reason the loan company does not do this. This has made a jurastic negative impact on my credit report rating. I have made several calls including one with a representative from the school stay on the line with me to try and get information about my account and three possibly four separate occasions a representative has hung up on me. More than once I have asked for a supervisor and wrote requests for someone in charge to contact me. However, the only calls I receive are automated robo-calls and if I do manage to speak with a human being, they hang up on me and refuse to let me speak with a supervisor. I have been more than nice to whoever gets on the phone but I can not get the balances, dares, why they are only applying my payments to the subsidized loan and nothing applied to the other. I write a note on every single money order for them to apply to both loans. I can not do anything to get them to do this. If I had two separate account numbers, then I would be able to. Unfortunately I have one and through calls, notes on the acutual money order to apply to both loans and letters to apply payments to both loans they will not do this. If this is n't illegal, it should be. Until this is settled or my entire loan is paid in full, my credit score will continue to hender buying a house, a new car, or do anything that relates to a credit score rating. This also includes even being able to move to an apartment complex that requires a credit check. Please contact me if you have any advice on how to fix this issue because I am out of ideas and this company American Education Services will not apply my payments to both loans. Though I have only one account number.
There is an account now reporting with XXXX  XXXX  for a XXXX account showing that it opened in XX/XX/2018 and this is an aged account. There has been no service with XXXX in over 7 years. For whatever reason it keeps getting passed around and then reports new but the initial collections occurred over 7 years ago. This should not be listed.
" XXXX - XXXX XXXX '' has been processing the payments from my bank exactly a day later, and have imposed over {$100.00} for late fee and interest charge for two consecutive months. I have been with XXXX over a decade and used bill payment function all the time. XXXX-XXXX XXXX says they received the payment 1 day later than the due date. I would like an investigation over their bill payment processing practice as I am convinced that I am just one of many consumers out there who are getting played by this scam.
XXXX XXXX purchased an old XX/XX/2009 Chase credit card and had an incorrect address, threatened to suit and said they were attorneys when they were only collectors. There 's a judgement with no signature of mine or my husband and the law firm would n't talk to me because of the incorrect address XXXX had.
I was alerted that on XXXX XXXX a hard inquiry was placed on my credit report with Transunion by XXXX. I did not apply for any credit with XXXX and someone applied for this credit without my authorization. XXXX acknowledged that a application for credit was filed but denied because not enough correct information was supplied with the application. I sent a letter to XXXX saying this was without my authorization and fraudulent and XXXX responded back that they are unable to remove the inquiry and that I should dispute this inquiry with Equifax.
I received a collection notice from afni, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, IL XXXX about a debt collection for creditor : XXXX XXXX XXXX XXXX dated XX/XX/2018, the amount of {$480.00}. 

My wife called both companies on my behalf because I am out of town and this needs urgent attention. She spoke to the fraud department of XXXX XXXX XXXX and explained the situation that I am being billed for the services I never ordered from XXXX XXXX XXXX. In fact, this is the second time afni colleciton company sent me a bill, the first one was last year about XXXX XXXX. This time is XXXX XXXX XXXX XXXX of which XXXX XXXX is also subsidiary. According to XXXX XXXX XXXX  staff my wife spoke to, the user was from XXXX, XXXX, Michigan. There is no street name XXXX in my XXXX research. Both XXXX XXXX XXXX and afni refused to provide the street number. XXXX XXXX XXXX acknowledged that there is a fraud on this bill. The bill was sent to my address in California. My last four digit number was being used as well. I believe this is an extortion on part of afni and XXXX XXXX XXXX knowing my address in California should already make XXXX XXXX XXXX knows that the user is from XXXX, MI and yet it sent the collection notice to me at my address in California.
I have XXXX promotional balances with Synchrony Financial XXXX of which is a 0 % interest that needs to be paid off by XX/XX/2017 in order to not incur interest. Every month I make a payment of {$200.00} for the account. The amount necessary to be paid for this 0 % balance not to incur interest is never applied correctly requiring me to call every month. The explanation I 've been given is this is how the system applies it and I need to call. I find this disturbing considering Synchrony set the terms and should be responsible to make sure it is applied correctly. I also have several other concerns about the website FAQ 's and security question answers.
Convergent Outsourcing sent me a letter indicating I owed {$530.00}, the original creditor listed as XXXX XXXX ' The letter from Convergent referenced : Client Account # : XXXX Convergent Account # : XXXX I have never had a credit line with XXXX ; I contacted XXXX and inquired with respect to this debt collection attempt ( and provided the above account numbers ) but XXXX  was unable to locate any record of a credit line on my account. 

This seems to be a fraudulent debt collection attempt. The debt appears to be fictitious. 

Thank you for your help, XXXX XXXX
Shellpoint Mortgage Servicing. I made a bill payment for my mortgagethrough shellpoint schedule for XXXX XXXX, 2015 from my checkingaccount with XXXX XXXX. XXXX sent check # XXXX. The check was sentto Shellpoint new address at XXXX. XXXX XXXX XXXX XXXXapproximately 7-10 days before the posted date of XXXX XXXX, 2015. 
Shellpoint calling everyday stating I did not send payment ; which XXXX did. Shellpoint stated they are having issues with processing checkssent to this address. Prior to this month for over a year ; there was not anissue at the old address. Shellpoint states they will call for update ; the only thing they want me to do is sign up for automatic payment tostop this issue. As of XXXX XXXX, 2015 I had to stop payment for the checkXXXX issued. Made a payment on phone on XXXX XXXX, 2015. In themean time I made another 'Pay bill '' from my checking account for themortgage so the payment would be for XXXX XXXX for semptemberpayment. XXXX issued check # XXXX seven to ten days before the duedate of XXXX XXXX. As of today XXXX XXXX, 2015 ; payment has notbeen posted. three way call with XXXX and Shellpoint on XX/XX/2015 ; Shellpoint said they will keep checking my account to see if fundsare posted. They want me to make another XX/XX/XXXX payment or they '' push '' me to tell me that this would not be an issue if I sign up forautomatic payment through their system.
I was notified that NCC Business Services was attempting to collect on a disputed rental debt on behalf of XXXX. Because the debt prevented me from being considered for future apartment rentals, I made the decision to pay the disputed debt to resolve the matter and put it behind me. This debt was paid XX/XX/XXXX. I received a letter via email from NCC Business Services that showed the debt as paid in full, and I provided the letter to the apartment office. More recently, I have applied to several apartment communities, and my applications were declined due to unpaid rental debt. This debt is still showing open and unpaid on my credit report, even after almost a year of it being paid. NCC Business Services is responsible for timely and accurate reporting to the credit bureaus for debts they report. They have failed to accurately report this account for almost a year, which has been detrimental to my credit report and has cost me financially due to apartment application fees. I contacted NCC Business Services XX/XX/XXXX to discuss this matter and obtain proof of payment. The first person hung up on me, and when I called back, the representative said my only option was to send an email request to their email address. I have yet to receive the simple letter I requested, and any acknowledgment of my request. This has been incorrectly reported for almost a year. Falsely reporting a debt to the credit bureaus is a violation of my rights as a consumer.
Portfolio Recovery Associates is trying to collect on 3 XXXX XXXX accounts, that do not belong to me. I have disputed the allegations. Portfolio Recovery Associates has been harassing me about 3 alleged XXXX XXXX accounts, that they claim belong to me. I have no knowledge of these accounts and have disputed the allegations with PRA and the 3 major credit bureau 's. XXXX XXXX is not listing these 3 accounts on my credit report. And if they were mine, negative information would stay on my credit for 7 years. Secondly, XXXX XXXX has a policy where a consumer can only have 2 directly issued cards with them. So it is impossible to have 3. I have provided proof of this statement directly to PRA. In PRA 's letter to me, they promise to provide a " chain of title '' if requested. I have requested this multiple times, and they have not provided it. This is a violation of the FDCPA for a misrepresentation and false statement. The Illinois collection Agency Act requires PRA to provide a signed contract of the agreement, the assignment, and the consideration for the assignment. PRA has willfully not provided these items to me after I have submitted multiple letters requesting this information. They did provide me a generic BILL of Sale which makes no reference to me or the alleged accounts. Which violates a consent order that the Consumer Financial Protection Bureau ordered against PRA. Enacted in 2015, file No. XXXX. The Illinois law also requires PRA to be a licensed debt collector whether they are collecting directly or indirectly. And PRA is not licensed in the state of Illinois but is threatening to sue me and get a judgement against me. I believe these accounts may be a result of identity theft, similar name issue, or someone using my info as a co-signer, or it's just a result in error. PRA is the only one with knowledge of these accounts. And they have not provided me with proof they own these accounts, that these accounts belong to me, and that I have a contract with them or with XXXX XXXX. PRA has used multiple false and misleading representations to me, has threatened to take legal action that can not legally be taken, they never investigated my original dispute within the 30 day time frame, and they are reporting false information to the Credit Reporting Agencies without verifying and they should have known this info was inaccurate. They claim they investigated my claim, but if they would have called XXXX XXXX to verify a consumer can't have over 2 directly issued accounts, they would realize I was correct. I faxed in documents of my claims to the CFPB yesterday. The fax contained the generic Bill of Sale documents. I am contacting you again because I didn't include my email address yesterday in the fax. I apologize.
... I have been seriously injured and I ca n't afford to make but half of the payment I 've tried to work with them and all they do is threat to take my car Im XXXX and I financed a car through unifor finance been a lolyal customer I 've made every payment for 7 months {$470.00} until I was taken out of work plus the down payment of {$500.00} if they want to give back all money so I can get a car I have to have a car for Dr appt and grocery store, pharmacy its illegal to treat XXXX people this way
THIS DEBT IS NOT OWNED BY ME. I HAVE BEEN A CLIENT OF XXXX SINCE XX/XX/XXXX AND HAVE THE SAME PHONE NUMBER REGISTERED WITH XXXX. I WOULD NEVER CONTRACT TO XXXX AS I DISLIKE THE SERVICE AND HAVE NOT FORGOTTEN MY XXXX EXPERIENCE WITH THAT COMPANY IN XX/XX/XXXX. PLEASE PROVIDE FULL VALIDATION FOR THIS ACCOUNT ; SIGNED CONTRACTUAL AGREEMENT ; WHERE THE ACCOUNT WAS OPENDED ; HOW IT WAS OPENED ; HOW THE SERVICE CHARGES WAS PAID ETC.,
We hold a mortgage with Ocwen since XX/XX/XXXX. Our insurance payment is part of our escrow and was due on XX/XX/XXXX. The payment was not made to our Homeowners Insurance company by the due date. I have received a notice from my Insurance company informing me of the missed payment. While on hold to speak to someone at Ocwen for over XXXX minutes, I set up an online account and looked at the history. On the website for Ocwen, it shows a payment made to the insurance company but they did not pay them even though it shows paid through XX/XX/XXXX. Once I finally got an agent on the phone, she could see our escrow account, see that my insurance company was set up and correct, and that the payment just was n't made. The insurance agent at Ocwen tells me that the way my loan was set up it was set up to pay the escrow for taxes only and not insurance - even though they had all the insurance information! This is unacceptable for a mortgage company who handles escrow accounts.
XXXX XX/XX/XXXX - XXXX XX/XX/XXXX XXXX XXXX have inquiried hard pull in from my credit report with out my authorization and it's affecting my credit.
A company that has recently purchased my auto loan has contacted me more than 7 times in a four hour period while I myself am at work and unable to take calls for a payment that is only three days past due
On XX/XX/2018 I received a credit report alert that a new collection was added to my XXXX, XXXX, and XXXX profiles by a company called XXXX XXXX XXXX. They were able to put a new collection on my account which I do not owe. I've read that this company is a scam that tries to collect money from people with these fraudulent collection accounts. If this was a legit collection I should have been notified either by mail or phone. I was never contacted about this account and I do not have any outstanding collections. This company has reported to XXXX after my first dispute that the account is in fact mine. I have opened another dispute with XXXX regarding this account. XXXX and XXXX have yet to come back with results.