WillisBack/dataset-financial-user-claim huggingface dataset:
Ad Astra Recovery Services has been calling outside of appropriate hours. 

XXXX called me on XXXX XXXX, 2016 at XXXX XXXX ; this is verifiable on my XXXX phone records. 

Also, I am a resident of California, and they violated the XXXX XXXX.
I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry that I did not authorize. I have previously disputed this item and it was removed from my credit. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent a letter certified mail because I need a prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thanking you in advance. 
CREDIT PLUS XXXX, XXXX XXXX XXXX Miscellaneous Reptg. Agencies
Late payment In XX/XX/XXXX of county taxes that had been in escrow. 

Non reporting to Credit bureaus. Asking for reaffirmation of Bankruptcy when it's been done in XX/XX/XXXX XX/XX/XXXX
I graduated from XXXX XXXX XXXX in XXXX on XX/XX/XXXX and have been unable to reduce my monthly payments, lower my interest rates, I have had late fees added even when I was only a day late making the payment. They added {$6000.00} dollars to my account because the lady said I was yelling at her which I was n't. Multiple collections calls even when I had already paid the forced to make 2 monthly payments.
I have submitted Prior Complaints, and recently Withdrawn my Complaints against Select Portfolio Servicing Inc., however, I just received a letter dated XX/XX/XXXX, Stating " SPS Previously Received Your Request For Loss Mitigation Assistance, But We Now Consider The Assistance Request Withdrawn. We are not Considering Your Request for Assistance at this time Because : After initially asking to be considered for Assistance, you Withdrew That Request on XX/XX/XXXX. 

I have never, ever made any Request to/of SPS Inc, except for them to Stop Calling Me, Stop Writing me, and Stop any/all Contact with me, concerning the Property that they Purchased from XXXX XXXX XXXX, ( SPS Inc Account Reference # XXXX ), Property Address : XXXX XXXX XXXX, XXXX, Georgia XXXX. 

That Property was Abandoned/Turned in/Over To the XXXX XXXX XXXX, Appraiser on XX/XX/XXXX, after an on-site Joint Physical Appraisal was completed, and according to Internal Revenue Service Publication 4681, the turning over and acceptance of a Property, Any Property is Considered A Sale or Transfer, and I am under Bankruptcy Protection. Therefore, since the prior Mortgage Company ( XXXX ) took Possession of the Property, and Issued an Abandonment Form XXXX, which SPS Inc., is well aware of and has been issued a Copy, and I have no Personal Libability for that Property, SPS Inc., has no business contacting me. 

SPS Inc, Claims to have purchased the XXXX XXXX XXXX, XXXX, Georgia XXXX, Property, yet the Official Muscogee County Georgia Tax Commissioner 's Office, and the Muscogee County Georgia Superior Court Clerk Records show nor record of any any Property Transfer/Deed Recording? That Property is  still listed with XXXX XXXX as the Lien Holder? 

SPS Inc., States that Property was purchased by a XXXX, DE Company in XX/XX/XXXX, yet this is XX/XX/XXXX, and no official records show this to be true. 

So now, SPS Inc., needs to produce some evidence of a request from me in writing for Loss Mitigation, which does not exist, or state that they have lied for the record.
Incorrect information on my credit reports from XXXX, TRANSUNION and XXXX. Inquiry not authorized by me. Per multiple inquires on my report that are shown in the year of XXXX  and XXXX was not authorized by me. I have spoke with all credit bureau multiple times requesting proof of validation, verification of authorization and nothing have been provided to me yet. Under the FRCA ACT, the bureau 's are responsible for investigating once I request a dispute within 30 days or delete. This error is effecting my credit worthiness. The multiple inquires on my report are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IT XXXX Inquiry Dates : XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, MN XXXX Inquiry Dates : XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Inquiry Dates XX/XX/XXXX XX/XX/XXXX. Can someone assist me with this complaint.
I have had multiple servicing issues with MB Financial, mostly with payment submission. 
Issues that I have experienced include : 1. Website availability - I have made multiple attempts to make payments, but received errors due to website not working. This has caused multiple sign-on attempts. I do n't understand why the website would not be available during payment due date times ( seems like a way to maximize late payment fees ) 2. Customer Service Wait Times - When I have had payment acceptance issues ( not my fault ), I would call customer service to make the payment. Wait times have normally exceeded 30 - 45 minutes to talk to a customer service representative. 
3. XXXX XXXX XXXX - I have had to have my user name re-issued multiple times. This has been caused by system changes and servicer conversions. This has caused payment submission issues. The difficulty in getting my user name took multiple website attempts and calls to customer service. 
4. Account Information Validation and Saving - It is common place in today 's payment acceptance world to both save account information to submit payments and have a recurring option to submit payments. MB Financial has neither. Also, when I have submitted account information, they have no validation to insure account information is entered correctly. 
5. Bankruptcy Declaration Letters - For each payment I have submitted, I have received information regarding bankruptcy rights and collection of delinquent accounts. I am neither in Bankruptcy ( or have ever filed Bankruptcy ) or delinquent on my account. This has caused a high level of anxiety that they are incorrectly reporting my loan status and treating me as a Bankruptcy account. 
6. Incorrect Account Information - MB Financial 's systems have provided incorrect information multiple times. I have used their automated system which has provided inconsistent information with their website. Additionally, I have tried to provide account information on the automated systems and they are unable to authenticate my account. I do not have confidence in their ability to manage my account and the financial transactions I complete. 


This servicer has been very unprofessional and needs to improve its processes and procedures to meet basic customer needs. They are definitely operating on a shoe-string budget as evidenced in their technology and customer service. Hopefully they will improve as many other customers in good standing are being treated in an unfair manner and we are paying for this company to service our loan.
XXXX XXXX. has sold account to XXXX XXXX XXXXXXXX. This account was paid, and as a result it was removed from my credit reports. However, upon reviewing my reports today I see that it has been reinserted. It is against F.C.R.A. law to reinsert an item without notifying the consumer in writing ... I was not notified, and secondly, it is illegal to attempt to collect a debt twice ... I am appalled and quite discontent with this matter. 

I was informed by XXXX XXXX. that they did not verify this item, and that according to their records it was indeed paid in full quite some time ago. Furthermore, they informed me that it is inclined to be the erroneous XXXX   verification that the bureaus so often make use of. No contract exist and this inaccurate and false reporting again. Please remove and do not reinsert or litigation will surely follow ...
All of my student loans except for 2 private loans from XXXX XXXX/Navient have been put into forbearance because I am currently in school. But before this, in XXXX of XXXX I was place in total permanent XXXX status and all my loans were cleared off except for the private loans because they told me that private loans couldn't be discharged. So I set up payment arrangements with them. 

Although I am still XXXX and have been since XXXX, and on permanent XXXX, I have re-enrolled in school. Because of doing this XXXX pulled me out of total permanent XXXX status and placed me in deferment. I have contacted XXXX XXXX twice through certified mail ( XXXX of XX/XX/XXXXand XXXX of XX/XX/XXXX) and explained all of this to them and asked them if they could put me in deferment as well and they said no because I was in default. I told them I didn't know that I was in default status, and that no one ever contacted me about the loan being in re-payment status, I told them that I assumed all of my loans were discharged, and they said on the phone that private loans can't be discharged. I then told them that I am XXXX and still in school, but I could pay $ XXXX monthly, and I have been doing so for over a year now. 

They accepted that, yet they continue to put late fees on my credit report and mark me as delinquent every month. No one still has written me back to explain anything or answer any of my questions. 
The only reason I found out that they had placed me in default was because I noticed that my credit score kept going down, and continues to go down every month. I looked into why it was happening and discovered that it was because of the 2 private loans. I thought that once I got on a payment plan with this company they would stop marking me as delinquent as they said they would and do right by me, but they didn't and do not. 
XXXX XXXX/Navient keeps reporting me as missing payments, and this keeps lowering my credit score every single month, and causing me stress because it has effected my ability to move into a better place for me and my children.
On  XXXX   XXXX ,  2017  - I tried to open the  Citi ch ecking account with a promotion offer. Completed everything and account was opened. I provided my  XXXX  bank credentials also to deposit $  XXXX  but it did n't worked. Then i provided  XXXX  routing # and account # of my   XXXX   bank account. I was told that w ithin 2-3  business days trial debit/credit will happen. It never happened. Later I go t one e mail to send the signature card. I tried sending it by fax - fax failed on both the fax numbers.
This is the XXXX hard hit I have received in the last week. XXXX being from some company called XXXX and now this XXXX XXXX which is apparently XXXX. Both of which have done this without any consent on my side. I have no clue who XXXX is and XXXX I have never signed up for their credit always used my bank accounts. When started to dispute the first hit XXXX claimed to have put a fraud alert on my SSN so anyone who requests anything would have to get secondary permission. Well apparently not since this just happened again today.
I was seeking to file a dispute for an item listed in my credit report, and I was asked to verify information in regards to, mortgages, loans and credit accounts, none of which have I openned, and I was denied access to file the dispute because I answered truthfully in response to the questions asked.
Conituous calls to collect debt that is over card limit? I am current on payments and have NEVER been late for tha past ten years. But they call from " Collections '' asking how I can resovle my debt. I ask am I late? Did I miss a payment? The answer is no " But '' its over the limit and want to know if i want to make a plan or arrangements to get the amount below the allowed credit limit?
I have contacted Capitol One to get this 30 day marked removed via goodwill intervention. They claim they ca n't do that but I had another company removed a 30 day mark via courtesy, I was credit reported for {$3.00} which I do not think its fair. I have been a customer for almost 10 years and I advised them on numerous occasions I was a victim of identity theft. I spoke with XXXX XXXX Firm who specializes in credit issues and they advised me that creditors can remove it via goodwill intervention, they state Capitol One should remove it and not sure why credit card companies tell consumers that negative marks ca n't be removed. I need the credit marked removed so I can obtain a lower percentage loan so I can pay off some of my higher cost loans such as my credit cards that have high APRs. Some of the time I get people that can barely speak English. I am an American I need to speak with a rep that I can understand. What Capitol One is doing is unfair, I only have XXXX-30 day mark and they clam it ca n't be removed when I know the truth.
They are calling my parents home where I have not lived at for over 14 years repeatedly from XXXX-XXXX none stop. My parents have told them various times that i do not live there and they have continued to call from different numbers at all hours of the day.
I have been trying to update my phone number on my fraud alerts because i had to change my number due to receiving harassing phone calls. I have tried to contact Experian, XXXX and XXXX   via the customer service numbers on their website but I keep being rolled back into an automate system. I need to speak with someone about changing my telephone number.
All of my  Capital one ac counts were included in my  DISCHARGED Chapter   XXXX  Bankruptcy in  2013  ... YET they continue to update the accounts monthly!!! By law they can not continue to update and damage credit after a  discharged bankr uptcy!
I applied for a home loan with quicken home loans.Quicken chose XXXX XXXX Appraisals to do the appraisal of XXXX XXXX XXXX XXXX XXXX XXXX Cerification # XXXX did the appraisal and stated XXXX Square feet causing my loan to fail. Quicken chose this appraiser and I paid XXXX dollars for a bogus appraisal. I had no part in choosing this appraiser and should not be penalized for her errors.
I have sent certified letter to transunion, also spoke to over 5 reps, and was instructed to contact each company pertaining to these fradulent/unauthorized inquires ... everytime i contacted the company who allegedly pull my report they inform me they have absolutely no accounts for me and can not provide a letter for bureau because its nothing pertaining to me they can write, informed transunion of what was told to me, was on call for 48 mins requested supervisor then all of sudden phone hangs up, call back again get diff rep, he had nerves to say no matter if FRAUDLENT or not they stay on report and said i could contact the BBB frustated asked for supervisor instantly, had me on hold 30 some mins then phone drops again! 3rd call asked for special handling spoke to supervisor XXXX or XXXX stated was removing inquiries, XXXX XXXX, XXXX XXXX and transunion report inquires still there despite being told deleted, i was a victim of XXXX breach and XXXX XXXX scam. These inquires should not be on my report! XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX this is extremely frustrating when i cant walk into a phyiscal office and resolve this matter asap. I even had fraud alerts and other credit bureaus already deleted when i sent letters of dispute and verifications
hello I called Equifax to update my personal information they did the security validation which validated my identity and I am who I say I am I was just trying to update my personal information they are reporting as far as my addresses they have several incorrect addresses on file for me and stated I have to send in that request so I asked was that something new as my fianc updated her address with them over the phone, I do n't understand why I was not able to update this if all of my information was verified and I passed the identity verification. the rep was also so rude when my fianc was trying to help me and advise she was able to update her information over the phone exby was the worse customer service rep. i was also trying to advise that the inquiry on my account was not valid as well but was not listened to.
This is an account from XXXX where my grandson was attending school in Mass. The housing set the students up with housing that is near impossible for a student to attend school and work a job that would earn enough to pay a {$700.00} per month rent. His rent was paid up to the time he felt he could not continue classes due to the fact he could not afford the rent. Eviction was threatened and he decided to leave school so he would not continue to run up a debt for his rent. However the housing has charged him, for a broken lease while they immediately rented to another student. Since I was the co-signer the debt now comes to me. I feel this is very unfair and possibly illegal if the housing filled the vacancy and is receiving rent while collecting from me.
I have been a Victim of Identity Theft for many years. I have tried many times to speak with this collection department and have not been able to get a contact person as either I get hung up or they send me to voicemail. I have frozen my credit report for all 3 agencies as somebody is working under my social security number and also getting information. 

Federal Trade Commission Number XXXX
I was charged XXXX overdraft fees of {$35.00} each, in the amount of {$100.00}, when my account was only overdrawn by XXXX check in the amount of {$300.00} on XXXX/XXXX/17.
I recently pulled my credit report from Experian and noticed the following accounts were listed on my reports as a collection/chargeoff. I immediately disputed this information with Experian and the results of the investigation came back as " verified ''. I did not have an account with any of these companies during this time period. All of these companies incorrectly reporting this debt and has ignored a demand letter under FCRA regulations. With Experian continuing reporting this account as negative on my credit report it makes it impossible for me to establish new lines of credit and also tarnishes my name. I will also be filing complaints with the Attorney General of my state and pursue full legal action under FCRA regulations and defamation of character unless these debts are immediately removed from my report.
I I haven't had a freeannualcreditreport in years I try to request an annual report online and it stated I wasn't giving the correct information so I called an XXXX number with XXXX I tried again it went through the steps to identify myself and they gave me a incorrect first name all together not even close so I gave me an option to give my correct name and I did but the annual credit report that I requested through the mail was never received instead I received a letter stating that they still could not identify me and I would need to contact you I need to know what steps to take next and what can be done and how this happened who and why and where and how it can be fixed please
I applied for Citi Double Cash credit card in XX/XX/2016 with advertised promo of 0 % APR on purchases. After my second bill was released I have an interest charge and customer service representative claims that my account has standard APR on purchases and 0 % APR only on balance transfers. Even today Google results bring up searches with 0 % APR on purchases offers for this card which actually do not exist. Big banks like CITI should have better control of information provided by universal search engines than that. I assume they spent millions on advertising every year. Thank you
Several request have been sent to validate this unknown item that is listed on my personal credit file. A request for proof of ownership, signed authorization etc. was submitted and nothing has been received. Please assist me
I purchased a property in XXXX in 2007, 100 % - HELOC for around XXXX and a mortgage for $ XXXX, my property is under water by $ XXXX. Now I am paying more for my HELOC and no one seems to explain me why. I requested the amortization schedule and they denied me that information. I went to lawyers couple of times, they mentioned to me this is a bad loan. I want an audit on my loan, I did not qualify for XXXX. They took $ XXXX from my HELOC years ago. What I am supposed to do with the undervalue amount, loose my property in XXXX or 20 years? I called New York Chase XXXX many times and their answer was it was my problem not their problem, you need to figure that out. I am sure they did not write that in their system of records.
Good morning, On XX/XX/XXXX I received a letter from Transworld Systems , Inc. stating the creditor-XXXX   XXXX XXXX XXXX XX/XX/XXXXXXXX had placed an amount of {$23000.00} for collection and requesting this amount in full. On XX/XX/XXXX the debt for the amount previously mentioned was added to my credit report. On XX/XX/XXXX, I sent a debt validation letter mailed certified asking for proof of the alleged debt. On XX/XX/XXXX I received a response from Transworld Systems , Inc. regarding an account payment history with their office. Transworld Systems also supplied documents of a Loan Request/Credit Agreement with the Lender -- XXXX XXXX XXXX, a note disclosure statement with Lender XXXX XXXX XXXX, and a Loan Payment History Report. None of the supplied documents sent by Transworld Systems , Inc provided proof that XXXX XXXX XXXX XXXX owned the loan from the Lender. On XX/XX/XXXX, XXXX XXXX, XXXX I contacted XXXX XXXX for legal advice by XXXX XXXX XXXX and supplied the Attorney documents of the information sent to me. The Attorney sent a letter on my behalf also requesting for validation. On XX/XX/XXXX I received a letter from from XXXX XXXX XXXX that a letter to Transworld Systems , Inc. has been sent on my behalf requesting for validation and proof of loan ownership. On XX/XX/XXXX. XXXX XXXX XXXX by XXXX XXXX XXXX sent me the response from Transworld Systems , Inc. providing them with the same exact documents sent to me  on XX/XX/XXXX. Again, this does not show proof of ownership of this debt/loan. Documents will be uploaded for review. Thank you.
XXXX is currently reporting a balance of XXXX on my credit reports. I received XXXX different notice of collection from XXXX different agencies. XXXX sold the account so they need to report a {$0.00} and also tell me who the debt ACTUALLY belongs too. I have attached documentation from each CA and my report still has the balance. They are reporting inaccurate information.. False or misleading representation of debt amount is illegal as well as unfair. If this is not resolved then I risk having XXXX different companies reporting the SAME debt ... the XXXX companies are : XXXX, XXXX XXXX and XXXX XXXX ... These practices are not fair.