WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX 2016, a collection account began reporting to my various credit reports by XXXX XXXX XXXX XXXX. The original creditor is listed as XXXX XXXX, the original and current balance are {$2000.00}. I do not know what XXXX XXXX is, nor do I have any idea why they think I owe them over {$2000.00}. I have disputed the account reported by SCS on my credit reports, through the bureaus, and even reached out to SCS themselves to dispute the account. I asked to be furnished with any records that would validate my liability for the debt they are reporting. They have not responded, yet have verified the account as accurate to the credit bureaus. Surely, if it were a legitimate collection theyd have proof to send me. 
Moreover, the report claims that I made a payment of {$110.00} in XX/XX/XXXX, yet the balance remains the same. In my dispute, I noted that XXXX XXXX XXXX has dozens of complaints against them on BBB, due to their sketchy, if not fraudulent, billing and collecting practices. 
I also noted that my first notice of the debt/collection was seeing it on my credit report, as neither XXXX nor SCS thought to inform me that they thought I owed them money.
XXXX is my original complaint number I 've done my homework and believe that money mart should have only charged me XXXX dollar to cash my check not over XXXX $ the reason is because with settlement checks the state wants us to get full benefit from compensation that 's one reason why they do n't tax us, no I want reimbursement in full today
To whom it may concern, I personally do not want USAA contacting me, but any other agency may. I myself have put many hours into these claims best illustrated here ) by XXXX XXXX co-policy holder ) and confirmed by myself XXXX XXXX, There is much more to this then I can write, I assure you we have witnesses to all events and claims we made with USAA BANK, CREDIT CARD, AUTO and RENTERS INSURANCE. Since end of 2011 I have put over XXXX hours of my life with all this starting with USAA BANK closing our bank account, and putting our credit card in collections, AFTER we not only proved to USAA that we were being idenity theft for several month stretch and finally someone came clean and we found the culprit, but USAA spent more time, lieing, denying then helping, and before this we paid our credit card on time paying more than owed monthly. And neither of us ever had any thing like idenity theft robbery or uncoathe banks like USAA before this. So it was a lot of learning and pain. We found out our banks were closed by trying to get gas, we were almost out and far from home. They also held on to our money for over a month. That was 4 years ago and started a ripple effect into our credit which swarms us today. There is so much more, so much more that my eyes roll, on XXXX, yes XXXX robberies and XXXX car accidents, Usaa never paid the full amounts, the things they promised, and from the XXXX robbery, I would have to say USAA caused these issues to, they made it easy for thieves, like in XXXX robbery, and XXXX we had people WE DID NOT KNOW AT TIME point out the robbers, and XXXX times a XXXX XXXX CREDIT CARD was talken and used. Usaa owes for so many policy things, they have refused to take calls for last two years when I asked why our last property they said we were getting XXXX and they sent XXXX, I started calling from day one, they even refused to return calls when I tried to send in depreciation reciepts, they refused to pay out on wages on XXXX incidents, they refused to help get a car which they promised they would from their auto-circle program after WHAT WE SUSPECT THEM illegally totaling our car and we had to end up getting XXXX whcih we had to pay over {$2500.00} down and over {$400.00} a month and over % 21 percent interest, all things that could been avoided like so many XXXX other things in past years if Usaa stopped hording money and acually doing what they are suppose, they have even denounnced CALIFORNIA AUTO INSURANCE INVESTIGATION which they had previous agreed with on several things like my veneers and wages and other things hey were to pay out but flattly refused. There were XXXX other hard core things USAA knew and didnt care. They opened up not only a credit worm hole, but they made it easy for thieves and caused us XXXX, oftenXXXX for long times, where we have lost out on family events, vacations, work oppurtunities, marketing money, we have lost all our valuables all our personal, things.
I found a collection on my credit report. I called the company to tell them it is n't mine. I had already filed a police report with a different collection agency last year. This debt keeps recurring from different collection agencies. Although I offered to send them a copy of a police report made on the same debt last year, they insist I complete their " packet '' so they can investigate. When asked how long this would take, the answer was that they did n't know ; it would take as long as it takes. I feel like I am fighting an uphill battle with these people. The address where the debt originated is on their report, but they say it is my responsibility to prove I do n't there.
In XXXX 2015 I sent {$1500.00} along with my regular car payment of {$300.00} for XXXX, 2015 to my car loan company ( Mark One Financial ). Along with the {$1500.00} check, I wrote a letter stating that the {$1500.00} was to go toward my principle. I had also written that in the memo of the check. Today I get a statement stating that my next payment is due XXXX 2015 and my payment only {$31.00}. I called Mark One Financial and spoke with XXXX, who would not give a last name. I asked her why my {$1500.00} had not gone to my principle. She stated that all payments would pay the interest XXXX. I told her it was not a regular payment and that I had sent a letter with that check stating that it was to go toward my principle. She then stated that their system did not work like that. I became upset so she put me through to her manager XXXX XXXX, who has no XXXX name, she stated the same thing. She brought up the contract, so I asked her where in my contract does it state that. She said she did n't know she would have to look at it. She then asked me if I was going to get upset over {$17.00}? Now I 'm furious, no where in my contract does it state that any principle or prepayment would go to pay interest XXXX I then told her that I would be filing a complaint, to which she stated she would be contacting her attorney. I told her good and hung up.
I receive a letter from XXXX concerning a debt that is not mine from XX/XX/1999. I called and told them this debt was not mine and it needed to be taken care of immediately to ensure I did not receive any further correspondence. The woman I spoke to said needed to dispute the charges. This is the 3rd time I have had to deal with this company ON debts and I am really tired of getting collection letters from them. I ended up having to pay for 2 accounts that had already been paid the last time. I do not intend on paying for something that is not mine and especially for the year XX/XX/1999 nearly 20 years ago. This is ridiculous. They need to be investigated and stopped from harassing people for things they do NOT OWE.
On XXXX XXXXthe 2017.my credit was inquired by walmart/XXXX XXXX without my authorization.
I have already filed a complaint, however, it was something still nagging at me that I believe I forgot to mention. Here is info for previous complaint that I 'm adding to. Complaint number : XXXX Date submitted to CFPB : XX/XX/2017 Date sent to company : XX/XX/2017 Product : Mortgage As Ocwen had stated that I had check returns, never ever have I wrote a check to them that was returned. Also, I notice that they at times did not submit entire amount of payments in statements. I have NEVER made a partial payment, also a few times I noticed that they stated payments had been reversed. Never has that happened. Just want to add/be acknowledged in my original complaint. XXXX XXXX XXXX
We have provided everything and we are being dual tracked. We respectfully request that the CFPB let the lender know that we have provided all of the information and we need the same date removed until the modification process has been completed
In XXXX of 2016 we were in a no-fault traffic accident in our vehicle which was declared a total loss. My insurance company paid off the majority of the loan ( approx $ XXXX XXXX and it took a couple more weeks for the gap insurance to pay the remaining balance. Once the gap insurance paid the remaining balance, there was approx {$1100.00} left over. We were 60 days late paying this and requested assistance from their XXXX department but was blown off and made it too difficult to contact back. We paid off every penny within a couple months of the accident but this was reported as being written off as a repossession. I disputed this with XXXX ( # XXXX XXXX but now it still shows that $ 600+ was written off and thats how they reported it. We sent this payment then found out after the fact themat they wrote it off. I dont know if they reported the entire amount to the XXXX as a credit but this is wrong. I am unable to purchase a vehicle because the banks look at this as a repo. I have called and asked them for a payment history but I have still not received it.
I opened an personal checking account, the account was open for only three days before it was suspiciously closed. The bank did not assure my account 's safety or follow customer service protocol.
Forster & Garbus LLP representing XXXX XXXX XXXX XXXX violated NYS Banking Usury Laws by charging 25 % interest rate on an alleged debt. The authenticity of the contract along with other documentation provided to us is in question, especially when none of them shows the actual Bill of Sale or Assignment of the original lender on the contract " XXXX '' to XXXX XXXX XXXX ( XXXX ), XXXX with the account number XXXX. There is documentation showing the said account highest balance of {$7400.00} and on our credit report there is a judgment of almost {$17000.00}. We have requested an itemized description of all debits, credits, charges, including interest rates and attorney fees but we have not gotten any documentation showing how they arrived at the final sum or any paperwork with itemized deductions or credits, etc. from " XXXX. " More importantly, they have violated the FDCPA laws by1 ) Not ceasing all collecting activities upon request for verification of debt. 
2 ) Has failed to provide an explanation of debt3 ) XXXX XXXX, a customer service representative from Forster & Garbus LLP was extremely rude on the phone when asked to explain why collection activities were still going on and we have sent a validation letter4 ) The service provided or lack thereof, resulted in additional damages to our credit, personal income and health5 ) They never initially informed us that we had a right to dispute the debt6 ) unethical collection practices
I have been trying to get information about how much interest I have been charged over the life of my loans since my APR is adjustable. Navient has either been unwilling or unable to provide me with statements stating what the APR has been for each year since the loan origination dates and how much money in interest I have been charged each year on my loans. I first asked them via their online email inbox which is associated with my account on XXXX XXXX, XXXX and have re-requested this information an additional 3 times and they have completely ignored my requests for information on my account. Each time I re-request the information I get an auto-reply email back stating they will have someone " respond shortly '' to my request.
I was Recently sent a letter from Citibank NA Attached* And also a check for {$16000.00} I am Wondering if this is part of the settlement Citibank is repaying to customers affected? 

Or if this is a scam to reinstate an old debt passed the statute of limitations of which I already paid?
all XXXX credit reports have a state tax lien that does n't belong to be. {$1200.00}
To whom this may concern, I submitted 2 letters to Equifax regarding 4 hard inquiries that are on my report, from almost 2 years ago. I have let Equifax know that I wanted to dispute these because these inquiries are NOT mine. I have asked them to provide me with documentation bearing my signature that I authorized these creditors to run my credit and allow such inquiries to be placed on my credit report. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I have sent letters out on XX/XX/XXXX and to my knowledge the creditors have 30 days to respond or the inquiries have to be taken off my report. I have also written ANOTHER letter and sent it off XX/XX/XXXX. Both letters were sent by certified mail. I have also called Transunion and yet NOTHING has been resolved. Because these companies can not verify that I authorized these inquiries I am requesting these inquiries be taken OFF of my credit report immediately.
RE : File number # XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXXACCOUNT : # XXXX .... 

Contacted XXXX XXXX XXXX re trade line issue through CFPB and received letter to contact/forward to Experian ( see attached ) to have trade line removed because they were having issues removing it. Provided Experian with the documentation and they have failed to remove the trade line from my file. Have also disputed it but it comes back " VERIFIED '' even though the letter clearly states shows the information provided by Experian completely is in conflict with XXXX XXXX XXXX 's records.
Experian have took XXXX XXXX XXXX of my credit report and then again put back on my credit report. if something is charged off, doesn't that mean they no longer have the " Apparent Verified '' contract and have written off the debt? Therefore, should be delete. provide me with copies of all documentation associated with these items that have been placed in my credit report, bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, any items negatively reporting, needs to be immediately deleted from the credit file you maintain under my name and social security number .I dispute XXXX XXXX Bank : incorrect balance, payment history, last payment made, last activity, date account was opened, high balance, amount pass due, account number.
Cedar Financial has a debt reported on my XXXX credit report that I dont recognized nor have I ever sent notification regarding this debt. I understood this is related to a student loan but I have never attended school in the USA hence there is no way I can owe this debt.
Once again, I go onto your Website to download information on my student loan. XXXX XXXX, Senior Resolution Specialist I need an explanation why is it on XX/XX/XXXX, under Loan Details : Group A-Due Date is XX/XX/XXXX, Group B-Due Date is XX/XX/XXXX. I get access to my account back on XX/XX/XXXX. On XX/XX/XXXX, and XX/XX/XXXX, it shows under Loan Details : Group A-Due Date is XX/XX/XXXX, Group B-Due Date is XX/XX/XXXX. Now I know somebody is messing with my student loan online account. This is unacceptable and now I have to look at every little detail and amount by navigating around my account and downloading my information. This will be another complaint with the Dept of Ed. I'm going to ask them if Nelnet is allowed to change due dates on an Income-Driven Plan with zero payments due. I am also going to report that I was not notified that you resubmitted my payment information to XXXX  and XXXX. Oh, sorry you have up to 60 days to reply to the CFPB. Had I noticed this problem earlier, I would have put this information on the previous complaint. Why would somebody purposely change my due dates. Maybe you have a good explanation and if you do, please reply asap. This is getting serious now.
IN XXXX MY WIFE AND I FILED CHAPTER XXXX BANKRUPTCY. OUR MORTGAGE WAS BEHIND AT THAT TIME.WE INCLUDED OUR ARREARS HOWEVER WE PAID THE NOTE OUT OF POCKET. THE BALANCE IN XXXX WAS APPROX. $ XXXX AND IN XXXX WE APPLIED FOR OUR FIRST LOAN MOD FOR WHICH WE WERE APPROVED. WE FILLED OUT THE PAPERWORK AND SENT IT BACK TO OCWEN LOAN SERVICING LLC . IN XXXX WE ARE NOW DIVORCED AND I PERSONALLY APPLIED FOR ANOTHER LOAN MOD BASED SOLELY ON MY INCOME ONLY. IT WAS GRANTED HOWEVER IN VIEWING THE PAPERWORK I 'VE NOTICED THE PAYOFF BALANCE IS OVER {$43000.00} HIGHER THAN IN XXXX. WHEN I INQUIRED ABOUT IT XX/XX/XXXX WITH OCWEN SERVICING I 'VE BEEN GIVING NO CLEAR EXPLAINATION. ONLY THAT IT WAS AN ESCROW ADVANCE AND INTERESTS. I CA N'T MATHEMATICALLY COMPREHEND THE ASTRONOMICAL NUMBERS I 'M GIVEN, ESPECIALLY WITHOUT PROOF.IT APPEARS THEY ADD YOUR DEBT TO THE REAR AND ADD WHATEVER THEY CHOOSE ON YOUR LOAN AMOUNT. AGAIN IVE MISSED A FEW PAYMENTS IN THE PAST THREE YEARS BUT INCREASING MY MORTGAGE BY $ XXXX IS CRIMINAL IN THREE YEARS. MY NEW BALANCE IS NEAR {$150000.00} NOW. BUT NOW THEY SAY {$96000.00} IS " DISHARGE OF DEBT '' BROKEN DOWN OVER 3YEARS IN THIRDS FOR WHICH I MUST PAY INCOME TAX FOR AND OCWEN STILL SAYS I OWE THAT TO THEM TOO. DISGUSTED, READY TO WALK AWAY.THEY WILL CHANGE WHAT THEY TELL YOU IN THE SAME CONVERSATION. ANY HELP YOU CAN OFFER WOULD BE APPRECIATED.
I got a notice from my current mortgage servicer, XXXX XXXX XXXX, that they sold off my mortgage to a new servicer called Carrington Mortgage Services. I know that by law the new servicer is supposed to notify me in writing 15 days before the transfer and it is now 5 days after the transfer and I still have n't received any communication from them whatsoever.
I was expecting a refund from " XXXX XXXX XXXX '' on XXXX/17.  Paypal sent the refund to a closed back account, one that has been closed since XXXX. I have called several times to PayPal to inform them that I have n't received the refund, as well as a conference call with a bank teptesentative telling them no refund was ever received and that I would not receive a refund on a closed account. The rep said she was opening an " internal '' investigation to find out where the money is at and that case was closed immediately due to " a refund being issued ''
I attended XXXX XXXX University for a total amount of one semester in 2015. I do not recall signing anything for student loans besides FAFSA paperwork. About a year or so after I stopped going to XXXX XXXX, I started receiving phone calls and emails about a student loan that I did not have any knowledge of signing up for. I asked my mom who was in control of my educational financing and she also could not recall applying for any loans except for the FAFSA. The company that is issuing the 3 loans I 've seen is XXXX XXXX XXXX XXXX. I have contacted them several times to start a repayment plan after seeing that it was a delinquent account which scared me. It has effected my credit score causing it to lower significantly and I just want to be sure that its a legitimate loan and not a scam as I have fallen privy to in the past. I do not remember specific dates that I spoke with them, however I have received two letters in the mail in the last 2 weeks that are statement balances and requests for payments. I have made 3 payments of {$50.00} in the last couple of months. I just need to know if I really signed up for the loans or not. I am young and uneducated on how these things work and I want to be sure I am not being taken advantage of.
Recently, I've grown an interest in monitoring my credit. I and my family are ready to purchase a home. As I've gone through credit report, I've noticed a few unauthorized inquiries and an account that does not belong to me. Please remove this from my credit report immediately as this is poor judgement with on my credit worthiness.
I got cable TV and internet services From XXXX about a year ago. We verbally agreed on the monthly bills which included the severvices and the rental of modem. They told me that the bill will never change. I set up automatic payments from my account. I hardly even looked at the bills, In XX/XX/XXXX, the bill was raised from {$77.00} to {$93.00} with no notification or reasons given. I did not complain then a few weeks ago I got a mail from XXXX dated XXXX XXXX 2015, they wrote that they have not been billing me for modem rental and so my bill will go up by {$10.00} plus applicable fees and taxes. Few days later I got a mail from Enhanced Recovery Company , LLC dated XXXX XXXX 2015, claiming that my balance with XXXX remains umpaid and my account has been place with them to recover the sum of {$970.00}. Nothing was written as to what that amount was for. I have received no bill from XXXX for anything in this amount. all my bills were autopaid untill I deactivated my autopay on XXXX XXXX 2015 because I intend to stop the service and get internet from another provider. I called XXXX and told them about my intentions on the same day.
A computer glitch was transunion 's problem-not mines- caused my inquiries was deleted. Transunion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted transunion in good faith to ask them to delete the inquiries that they had illegally re-added. I spoke with XXXX XXXX @ XXXX XXXX on XXXX XXXX, 2017 he told me that the department was closed that handles that problem and he did n't have to give me his ID # that his name was all the information I needed. These inquiries add a hardship and that my rights were violated by transunion.
I have asked this debt collector to only contact me through my Cell and home phone, they keep calling my work and mailing notices to my job after I had already gave them my home address.
I received a letter stating that I owe an amount on this account. I ran my credit report recently and I found it listed by  XXXX   XXXX   XXXX , and had it investigated and removed. They have now sold it to you so that you  may have a chance to make a few bucks.    I have never lived at the address in question and have no intention of paying you or anyone for a bogus reporting of information.   Therefore, I ask that you cease and desist any and all actions on this. Failure to do so, I will fill a complaint in small claims court against your company and report this fraudulent information to all concerned.
I am trying to get a loan modification. I need assistance. I have given tried to establish my trial period worthiness. I feel the lender is being unusually harsh to me. I ask that you audit my file and research my foreclosure. I hope that they would just give me a streamline modification trial period. I will make my payments and keep my home. I believe that the fair debt collection act and other laws that protect homeowners were violated.
I informed Equifax on or about XX/XX/2018 of unauthorized inquiries existing on my credit report and requested that they investigate and provide me with evidence of " permissible purpose '' of the items being disputed and that if evidence of " permissible purpose '' was not available, then they should delete the items from my credit report.. Equifax responded on or about XX/XX/2018 and informed me that the inquiries were a part of the " factual record '' and that they would remain on my credit report despite their inability to provide me with evidence of " permissible purpose ''.