WillisBack/dataset-financial-user-claim huggingface dataset:
I keep receiving calls from XXXX. They say they are trying to collect a debt that I incurred from my place of employment, but they do n't know what the acronym for the business means. The person calling is rude and refuses to send me any documentation in regards to the supposed " debt ''. The man that is calling says his name is XXXX.
You closed complaint # XXXX in error and I do not think you understand the issue. XXXX XXXX is not posting credits for items returned. Below is an email response I received on XX/XX/18 from XXXX XXXX regarding my complaint. They have NOT posted my credit. Sure they will list the return under transactions, BUT it does NOT decrease your balance. See email below from XXXX XXXX  advising I have an pending, unposted credit transaction for {$100.00}. To this date, XX/XX/18, it has posted to my account! 

From : XXXX XXXXSent : Saturday, XX/XX/2018 XXXX XXXX ( ET ) To : YouSubject : Re : OtherMessage ID:XXXX Thank you for your recent inquiry to our Customer Care Department . 
XXXX XXXX XXXX issues your account and responds to all credit related inquiries. 

Our records indicate that the credit limit on your XXXX XXXX account is {$1000.00}. Since there is an unposted credit transaction of {$100.00}, your available credit limit is {$470.00}. Also, the current balance on your account is {$630.00} We hope this information is helpful. For the security of your account information, we ask if there are any follow up questions you have related to this concern, please click on the reply button. 


Sincerely, XXXX XXXX Internet Customer Care Team
On or around XX/XX/XXXX of last year, I noticed that the total balance the consolidated loan had increased substantially. As I remember, I did make a call at the time and was not given a response in a understandable manor or there than the account information and terms were correct for the balance. Still the balance of payoff had changed. recently, I have filed a complaint with the CFPB noting that over the course of 10 years I have paid over 40k and still owed XXXX on the loan I have been paining over the month payment requirements. Today, I received an email saying that there were documents were sent to me from Navient on the Navient website. With some difficulty, I was able to find where the documents were and opened them. to my dismay there was 2 documents that were there dated from XX/XX/XXXX of last year. I never received copies of these documents in my email or in the mail. basically they said that due to the fact that my loans that where consolidated had different closing dates and that they had to be the same by federal law. It also stated that they " Navient '' was extending the loan term to the maximum amount allowed by law. I did not consent to this change nor was I informed of this process to object to it. This allowed Navient to basically steal 10 years of payments received on the account. This also in basic terms reset the loan length to accrue more payment and interest that they could have attained by any other process. This is dishonest and deceptive practice as well as fraud. this adds to the fact that the loans were consolidated without my consent. As the documents that they sent to me for the consolidation of the loan was an electronic signature and I did not consent to the consolidation. That being said, changing the length of a loan term without informing me of the issue or receiving my approval by the normal means of communication was a subversive attempt and deception on the part of Navient to lock a loan in for a much greater time frame and payment. This also increased the interest generated per month on the loan.
After viewing a copy of my credit report, I noticed a collection account placed on my credit report from LUNV FUNDING in XXXX of 2017 in the amount of {$280.00}. First and foremost, I have confirmed that the debt collector, LUNV FUNDINGis not licensed in the state of Texas to collect on this debt. Secondly, LUNV FUNDING violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumers right to dispute the debt within 30 days ( see 15 U.S.C. 1692g ( a ) ). Third, what obligation do I have at all to LUNV FUNDING? I have never heard of them, have no written contract with them and have never received any benefits from them, yet LUNV FUNDING has submitted negative information to all three credit reporting agencies ( XXXX, XXXX and XXXX ) against my name and social security number and is demanding payment from me in the amount of {$230.00}.
I ran into hard times and went thru a loan modification in XX/XX/XXXX. I had missed a total of 18payments having made some in between it wasnt all in a row. My original mortgage amount was {$190000.00} they were supposed to take my past due payments and put them in a separate account with a 0 % interest and wave all late charges and any other fees is what I was told and agreed to. I have never missed or been late on any payment since the modification. Now currently during XX/XX/XXXX I was trying to buy a new home after selling mine to pay off bank of America and now have a second mortgage of {$57000.00} to add into the {$130000.00} principal balance which would total {$190000.00} meaning in 5yrs of paying an average of {$1000.00} a month ( {$60000.00} ) my mortgage has not changed at all. And my house isn't even worth what I owe making me have to cancel my contract and take my home off the market. I feel like I was scammed on this modification and that this needs to be negotiated and settled. I have owned my home for 11yrs with the purchase price of {$180000.00} and now somehow owe {$190000.00}. I honestly feel like the second mortgage is bogus and needs to be taken off as after 11yrs I should have seen a very noticeable drop on my principal balance.
I do not have any negative information on my credit report. My credit accounts are paid before the due date. My credit score was XXXX but in the past few weeks ALL XXXX report my score as XXXX. I asked them why but they never answered me back. I need to know why this is taking place.
I received a netSpend letter in the mail containing a Debit card that is to be activated at my request if desired. I never requested or wanted a Debit card from the Company NetSpend. This is the most unprofessional business in existence. Not only did I not order this card but it could of easliy been activated without my permission and have my identity stolen. I do not have a active or existing account with this Company. The Card number displaying on the Debit card is # XXXX the account number is XXXX from what the document presents in the letter. I would please like to be taken out of there mailing list and also have this Business company NetSpend not ever solicitate to me with any offers ever again. My identity could of been compromised because of this unprofessional business company called NetSpend XXXX XXXX, Texas XXXX.
I I have a checking account US Bank and my account was beached on XX/XX/18. I submitted all the required documentation to US Bank on XX/XX/18. On XX/XX/18 I was informed that I would not be reimbursed for my losses. When US Bank contacted me on XX/XX/18 I verified that I did not make the transactions and still my debit card was in my possession. 
This has created a hardship for me and my family, I have not be able to pay my electric bill and water which is due to be turned out. My landlord is working with for past due rent. Any assistant you can provide will be greatly appreciated. 
I spoke to the supervisor in the Fraud Department XXXX XXXX and was inform to complete another form to continue investigation after been told my case was close. No reason provide why I not being reimbursed form my losses.
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX TO : Portfolio Recovery Associates , LLC ACC # ACC # XXXX Account Disputes Department, XXXX XXXX XXXX, XXXX, VA XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify PORTFOLIO RECOVERY A ACC # XXXX or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : PORTFOLIO RECOVERY or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
I have an XXXX XXXX XXXX credit card where I make a {$50.00} minimum payment I recently have gone through financial hardship and have been late on making a few payments. The credit limit is {$620.00} but the balance is {$1000.00}. Almost half of the balance is interest and late fees.
XXXX Credit Card through the XXXX XXXX XXXX XXXX billed me for an item that was never accepted from me ( order number : XXXX ).
XXXX XXXX agreed to settle my debt for {$900.00}. I paid the {$900.00} as agreed upon. They are still reporting a balance of {$650.00} despite the fact that we agreed to {$900.00} which I have paid in full.
I have submitted numerous disputes to verify the accuracy and legality of the public records listed on my credit report. As of today, I have not received the proper verification required by the Fair Credit Reporting Act in verifying all the information that is being reported. Also, I even contacted the courts that are reporting this information and they told me they do not report information to the credit bureaus so they are obviously using some kind of third party that is illegal and no real investigation is being done. These items need to be removed and DELETED from my TRANSUNION credit report. 

US Bankruptcy Court NY XXXX XXXX This bankruptcy needs to be verified directly with the court, if you are not able to do so, then delete it from my credit report. 

US Bankruptcy Court NY XXXX XXXX You should already know that this account must be 100 % accurate and verifiable. I ask you to verify this bankruptcy under the Fair Credit Reporting Act and delete it from my credit report because you will see it is reporting incorrectly. 

These items are INACCURATE and need to be removed Immediately THANK YOU A XXXX OFF CONSUMER XXXX XXXX
The account in question is medical in nature. My son 's ( XXXX ) were seen by the doctor both received blood test for XXXX. The bills were submitted to my insurance company ; insurance rejected both claims, when I called about the rejected claims I was provided guidance on what the doctors office would need to do so the claims could be paid. The doctor corrected XXXX claim but not the other, I fought with the insurance company, the doctors office and the debt collector for XXXX yrs. Keeping all entities informed of the issue. Ultimately I paid the bill, the debt collector placed the account on my credit report as a late payment that will not be dropped off my report until XX/XX/2021.
CONVERGENT OUTSOURCING, INC. has never contacted me in writing regarding this time-barred debt. Cell phone debt has a federal statute of limitations of two years. After the statute of limitations has expired on a debt, it is considered time-barred. <P/>In XXXX v. XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX at XXXX [ XXXX XXXX ] and in XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX [ XXXX. XXXX ], and its progeny, the courts have consistently held that FDCPA claims are viable where they are premised on a debt collector 's knowing attempts to collect time-barred debts. In these cases lawsuits were filed to collect the debts or lawsuits were threatened or " further collection action '' was threatened. That is precisely what defendant has done here. Defendant knowingly and fraudulently transferred a prescribed debt onto another account then refused to heed disputes by plaintiff and his counsel. Worse yet, defendant has initiated collection actions, including dunning plaintiff, based on the new account which balance is solely consisting of the prescribed account balance. This plainly falls under the further collection action prong of this analysis. <P/>It is fairly settled law that filing suit on a time-barred debt is a clear FDCPA violation. The seminal case is XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ). Also :
Best Buy/CBNA has contacted XXXX XXXX and XXXX and posted some negative marks on my credit report regarding a debt. I have not been presented with any options to resolved this problem.
A few issues : # 1 I 've provided the proof to the bureaus that they are reporting this bankruptcy inaccurately by sending the credit report and nothing has been corrected. 
# 2 I also requested the physical docs that were used to verify these items that i am disputing and received nothing. These are made available to me under section XXXX as well as that said section states that the bureaus must have the physical docs in their possession in the files prior to reporting them to make sure that they are accurate which they apparently do NOT have. 
# 3 items were reinserted onto my report after being removed and I was not notified of these reinsertions within the required 5 days ' time frame ( was not notified AT ALL ) which is a violation of section XXXX and they must be removed immediately. 
# 4 I 've also received letters stating that no investigation will be done when I have clearly outlined what is inaccurate. This is a violation of section XXXX, whereas XXXX states that once I notify the credit bureaus that they are reporting something incorrectly they must investigate. They also state that they must reinvestigate and go beyond the original source of information ( creditor ) to ascertain that the accounts are reporting correctly. if they had the documentation, we would not be in this situation, would we? XXXX also states that the burden is on the bureaus and creditors to prove they are reporting this correctly - it is NOT on me. 
I 'm including my letters in the attachments, as I stated. These clearly outline my disputes in regards to the inaccurate information on my credit report. 
I am including my dispute letters which clearly state my disputes.
I am an XXXX XXXX XXXX XXXX currently XXXX overseas. I recently received a copy of my credit report. The credit report showed the CRAs XXXX, Equifax and XXXX are reporting inaccurate information on my credit profile, even after I have sent them thorough proof, that they are reporting inaccurate info. They have not investigated the accounts properly. All three bureaus are in violation of FCRA Section 623 XXXX, XXXX XXXX XXXX XXXX US Court of Appeals for the Third Circuit Court Case XXXX XXXX XXXX XX/XX/XXXX, Filed ( D.C. No. XXXX ). 

I have sent a number of documents proving the following facts. 
I AM an XXXX XXXX XXXX CURRENTLY XXXX overseas Department of Defense Loan for XXXX has been paid off having a XXXX BALANCE since XX/XX/XXXX but they continue to report it as an unpaid collection XXXX XXXX XXXX is a {$900.00} debt that was created fraudulently. XXXX XXXX claims to have sold the debt, yet the company that the account was sold to REMOVED the account from my credit profile.
" FedLoan Servicing '' received my request to recertify my income-driven repayment plan on XX/XX/XXXX ; on XX/XX/XXXX, I received notice that " At this time, we [ FedLoan Servicing ] are currently experiencing a high volume of IDR requests. '' This continues a consistent pattern of communication lags around IDR recertification requests of at least one complete billing cycle -- seemingly pushing back their need to communicate around IDR recertification requests sufficiently long that borrowers ' IDR plans will lapse, and borrowers will need to make full payments ( this occurred last year, as I received multiple requests for information that FedLoan Servicing admitted to *not* needing -- I had mistakenly noted that I had been married during the last year, but as we were not filing our taxes jointly as yet, this would not impact my payment levels ; however, because I had *noted* the change, FedLoan Servicing insisted that I submit all of my wife 's financial documentation, and repeatedly rejected it ( she is an XXXX, and thus could not provide documentation from her employer ). However, at least three to four weeks were allowed to elapse between each communication I received from FedLoan Servicing, maximizing the number of billing cycles during which I was forced to make full payments after my IDR plan had lapsed. It now appears that FedLoan Servicing is engaging in similar delaying tactics this year, waiting over a month to respond to my IDR recertification request, and then only to make the excuse of " high volume '' and provide *no* estimate of when this request will be processed.
Approximately two weeks ago I mailed a money order for XXXX, XXXX to Nationstar Mortgage to pay off my loan based on a payoff amount they quoted me over the phone. They have my money order according to a phone call to them today but have not credited my account with it. They said it was short by XXXX. I said you should credit the payment, tell me what I still owe and I will pay it. They said it would be credited today. As of XXXX tonite it still is not there on my account online. They are charging me additional monies everyday even though they have far more than what was owed currently. They have my money and are purposely not applying it to the loan and accruing interest and penalties on the account. I know this is illegal!!!
in XXXX I received a letter from XXXX XXXX XXXX stating the rate of the MIP will be lowered from 1.35 to .85 % and my payment will drop about XXXX $ I did n't need to do anything it would just come off in XXXX then I get another letter from Carrington Mortgage stating they have bought the loan and will be servicing the loan the rate was not dropped I called and they stated it will in time I just called again and asked why it has n't dropped yet they stated I di not qualify for the reduction in MIP due to the loan was not old enough???? Help
" " '' I have disputed this charge off on this XXXX XXXX XXXX XXXX  XXXX for months.XXXX and XXXX   have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Last week I purchased groceries at XXXX XXXX. The attendant asked me if I wanted to open a charge card, I told her no, she asked if I wanted to up my membership I stated no. She said it was two questions I would be asked. I explained to the attendant I did not want an inquiry on my credit which is what happens when you open up a new line. I paid for my groceries and left. Then when checking my credit it says I have XXXX line of credit at XXXX XXXX. I did not agree to this line of credit, I have no XXXX Charge card in my possession and I specifically told the attendant I was not interested in opening a line of credit.
My wife and I had started a loan Modification with XXXX XXXX XXXX XXXX to try to get a lower monthly payment for our Mortgage. They said that in order for them to help us we would have to come up with XXXX different money payments- XX/XX/XXXX of {$1200.00}, XX/XX/XXXX of {$800.00}, and another payment of {$800.00} on XX/XX/XXXX. And on top of these payments they also asked for another amount of {$650.00} for Attorneys fees, this was on XX/XX/XXXX. We sent all the money they asked for. XXXX XXXX XXXX told us not to send any mortgage payments to Wells Fargo Bank. XXXX XXXX XXXX said that they will take care of the modification process. But XXXX XXXX XXXX never processed it. They forced us into bankruptcy. We feel that we should n't be in this situation. This is the reason why, Wells Fargo was n't receiving our monthly mortgage payments.
On XXXX XXXX, XXXX I filed for Chapter XXXX Bankruptcy case # XXXX. My attorney went over all the information listed on my credit report. I obtained all credit reports and disputed all tradelines as included in Chapter XXXX bankruptcy. I disputed this debt in early XXXX XXXX and again XXXX XXXX, XXXX. Both times the debt collector refused to change the status to included in bankruptcy. I called the number located on my credit report and could never reach customer service. The number listed on my credit report noone answers that number. It continues to ring. On XXXX XXXX, XXXX I XXXX  searched and found an alternate number. I called and spoke with a representative. I explained my situation to her and she stated once they received the dispute they would take a look at it. Today, XXXX XXXX, XXXX I received the same results as before. I am not sure which credit card has hired this company as it is not listed on my credit report. I 've never received anything to validate the debt from this company.
I disputed accounts listed on my Equifax credit file. Equifax has ignored my request to provide me with the documents that they have on file that were used to verify the accounts. Equifax has exceeded the 30 day mark and can not verify these under section 611 ( 5 ) ( A ) of the FCRA. They are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter promptly.
The following accounts I have disputed them a month ago but was told by the major 3 credit bureaus that these accounts have been verified. Inwhich these very accounts I do not have a contract with nor have they been physically verified. I'm requesting the Method of Verification inwhich was used to equate the accounts as valid via my credit report. Inwhom within your company, name and title, spoke to whom and what means of communication was performed, phone, email, texts, fax, etc. What day and time did this take place. What physical documentation was delivered to both you and I that verifies these accounts, 1 ) XXXX XXXX {$0.00} 2 ) XXXX XXXX XXXX {$7.00} 3 ) XXXX  XXXX   {$570.00} 4 ) XXXX XXXX XXXX {$0.00} As stated in the FCRA laws if this information is not provided in its entirety then the above accounts shall be blocked immediately from my credit report.
In XXXX 2014, Bank of America permitted a balance transfer from my BOA XXXX to an XXXX XXXX account. The amount was $ XXXX a {$400.00} fee. I did not authorize this transfer nor did I have an XXXX account. BOA refuses no to credit my account or give me any information about this transaction so that I may investigate it myself. Please help. {$10000.00} is a lot of money. Thank you.
These debts were incurred by my wife alone. They have never been joint accounts, but RSH Associates in XXXX, KS are listing them as a joint accounts on MY credit file. XXXX was for a voluntary XXXX and XXXX was for mental health counseling while we not living together. I want these items removed from my credit file as they are not mine and I have no responsibility for them.