WillisBack/dataset-financial-user-claim huggingface dataset:
Company is re porting on all  XXXX  credit bureaus and sending me information that I owe this debt including threatening phonecalls. I have sent letters for them to verify this debt bearing my signature and they have not. I have also sent letters for them to delete the debt because they did not report on my report within the 30 day time frame that I " disputed the debt per the FCRA ''
I owned a credit card from XXXX XXXX XXXX that I defaulted on. The account was closed by XXXX on XXXX XXXX, XXXX. Since then, I have been steadily contacted to the point of harassment by Main Street Acquisition Corp, represented by XXXX XXXX XXXX. XX/XX/XXXX, I was served with court papers to which I responded noting their lack of proof of the debt as well as my inability to pay. Over the ensuing three years, I 've been asked to produce documents relating to the debt that XXXX would 've provided them if they 'd bought the debt. Furthermore, there is no record on my credit report of XXXX selling the debt to Main Street. They have now obtained a court date for this case. As the debt is now five years old, I am sure this is inappropriate.
this is a supplemental complaint about Santander Consumer USA They failed to provide any documentation that they actually moved XXXX payments to the end of my loan as promised. Nor did they ever send me the necessary paperwork to sign to authorize this. I am demanding that they provide documentation and I also demand they provide transcripts of all phone calls between me and the various customer service representatives, they claim all calls are recorded. This will confirm my earlier statement that I have been told by various representatives I can make the minimum payment of {$180.00} and will be current.
Inaccurate information is reporting on my consumer report.. Please consider this dispute & formal request under the FCRA, to provide a copy of the verifiable original creditor documentation to the following inaccurate accounts and/or information ; 1 ) XXXX is NOT my account 2 ) XXXX is NOT my account 3 ) XXXX is NOT my account 4 ) XXXX is NOT my account 5 ) XXXX NEVER KNOWN BY THIS NAME 6 ) XXXX NEVER KNOWN BY THIS NAME 7 ) XXXX NEVER KNOWN BY THIS NAME 8 ) XXXX I never lived at this address 9 ) XXXX I never lived at this address 10 ) XXXX I never lived at this address 11 ) XXXX I never lived at this address 12 ) XXXX I never lived at this address Experian 's failure to positively verify these accounts have damaged my credit, life, liberty & pursuit for happiness.
Apparently someone has an account with a fake email and my information on it through XXXX. They purchased {$2000.00} worth of merchandise allegedly and it was apparently sent to my house without signature. This is WRONG. I called Navy Federal and they told me to open it as a fraud claim, so they did. Now 2 months later, NFCU tells me that since " XXXX '' has my address information, it must be me! Navy Federal scammed me out of my money with no evidence at all except a tracking that shows it was left at a " door ''. No evidence what it was, where it went, or anything. I never got any item. Now I tried to contact them to dispute since they opened a fraud claim and now they ruined me for it. They told me I should have open a " never received merchandise '' dispute now, but they won't let me open one. Navy Federal XXXX  me out of 2k+ and expects me to pay with no hard evidence that XXXX had to say it was me. Oh wow XXXX has my address! I have done business with XXXX a long time ago, so NO WONDER!!! Navy Federal has disappointed me time and time again recently with this process. They need to re-train their representatives. They are not looking out for anyone 's best interest. I am sure they lost my information to a hacker and now want me to pay them.
Today, XXXX XXXX, 2016 my auto loan company Coastal Credit LLC called my sister company stating that she have been calling for weeks and no one is answering the phone which lead to my co -worker calling asking me about what 's going on .Coastal Credit account representative XXXX XXXX also called my landlord stating she was calling about a personal business matter. At the time of purchase I gave them my work number to the specific office to where I was employed and not that of my sister company. I have ask several times for them to just leave a name and a phone number and I will respond. I have also filed an earlier complaint and I am asking for this complaint to be in conjunction with the one filed in an earlier date.
Experian is reporting INACCURATE information. Experian is reporting that XXXX XXXX was opened in XXXX 2011. The payment history is saying this account was in collection as of XXXX 2011. It stating I have " failed to pay '' prior to the account being opened. I have disputed on numerous occasion. It also shows the last status update is XXXX 2011. I have submitted paperwork to Experian showing the correct date the account was opened.
I found out today, when I called to ask Capital One how they received my contact information in order to send a mailing, that Capital One is apparently part of a large-scale identity theft scheme. I asked from where they received my contact data, and they said that their COMPANY POLICY is to keep secret within the company where they buy consumer data from. Two people I talked to could not tell me where the data came from but said that where data is purchased from is always kept secret. They claimed that someone I did business with sold the data to them, but they were lying about this, since that did not fit the contact data that they had. It looks as though Capital One is buying consumer data from hackers. 

I have never done business with Capital One. There is no reason why they have my data, and no reason why they refuse to identify where it came from. 

Identity theft will continue to be rampant as long as companies like Capital One ignore all consumer privacy precautions. It appears to me that they may be violating several federal laws, including the Fair Credit Billing Act, the Federal Trade Commission Act,  and the Gramm Leach Bliley Act.
To whom it may concerm, my accounts was late due to the fact of my husband died back in XX/XX/XXXX so I fell behind on all my bills, try to keep up and then I lost my job so thing get every harder. XXXX XXXX   amount XXXX, open inXX/XX/XXXX, 0pen XX/XX/XXXX.also XXXX XXXX in the amount of XXXX, XXXX XXXX XXXX  account , for XXXX, XXXX XXXX open on XX/XX/XXXX,XXXX, would like to have this remove do not owe, and XXXXXXXX XXXX XXXX do not now what they are a lot of open small amounts, XXXX XXXX open in XX/XX/XXXX, amount of XXXX not sure if the is correct.
XXXX case number I got a phone call from chases rep I tried to call them back a few times cant get them to call me back left my number but it is like all the rest you cant get chase to do what they say
My debit card was stolen with the pin around XX/XX/XXXX or XX/XX/2018, and used for a large volume of transactions at various locations and the pin was used on some of the transactions. The total amount of fraudulent transactions was around {$2400.00}. I informed Chase by phone on XX/XX/2018, had the card locked, submitted a claim for refund. I received a questionnaire in the mail from Chase about the incident, filled it out and returned it. Chase has denied the claim becuase a pin was used in some of the transactions. I do not know what to do.
Call from PNC Bank Credit Cards demanding immediate payment of bill already paid. I refused and stated payment on XXXX XXXX, 2015. 
About XXXX XXXX a billing statement arrived with the same error and interest charges. I called to correct the error. The PNC person insisted I had not paid and should pay immediately. I refused to pay the same bill again and expressed my disgust with PNC. Afterward I realized the paid bill was not included in " Posted Transactions '' on my Personal Banking website. I wrote PNC and asked for the omission to be corrected. I have not heard back. 
On XXXX XXXX I tried to pay for dinner with my son and his wife but my card was refused. Very embarassing.
I have submitted multiple complaints ( including documentation ) to XXXX, including one previously through the CFPB, on this one issue. XXXX lists my current student loan at XXXX XXXX XXXX  as having a balance of {$0.00} and saying that it was discharged in bankruptcy. It was not discharged in bankruptcy. I have called XXXX XXXX XXXX who says that they have reported ( and will report again at the end of this month ) that I have a balance which I pay toward each month, am current on payments, and have never been late.
We keep getting calls from Midland Credit ( XXXX asking for a XXXX XXXX. When we tell them that no one by that name lives here and to take us off their list they hang up with no response. And then they call back later.
I graduated from XXXX XXXX XXXX XXXX ( XXXX ) with over {$300000.00} student loan!!! I should be working as an XXXX but no residency. XXXX XXXX many many times for guidance and last I heard was from their program director telling me I am XXXX. Since 2009, I have been paying student loan for federal and private. My income is only XXXX compare to the income should one have for $ XXXX student loan. Federal has increased payment and Salliae mae have had me paying only interest and now wants to increase it by 188 % or commit to pay {$510.00} when at end of the month I only have {$100.00} left. I tried to talk to them but with very rude language she said " that is all we have, give me your credit card and commit to {$510.00} for 15 months ''. I only have {$100.00} left in my account where do I bring that? Due to false statement from XXXX, no residency no job that can pay this loan. It is not me, there is lot more that do not know what to do and who to reach.
I believed that the Costco credit card transition would go correctly, based on their mailings in XX/XX/XXXX that said I would receive a new credit card and updated bill. I never received the credit card, and never received a bill. I finally received the first statement a few days before it was due, with no credit card. So I could not log in to pay it, because I had no card to activate to get to the account. I tried calling them, but was kicked off multiple times due to their high call volumes. Eventually I was able to talk to someone who processed my payment and said they would send me the credit card so that I could have access to my account. The cards and revised statement should have taken 5-7 days. I did n't receive them before I went on vacation, but saw that they had taken the payment. 
Almost one month after talking to them, I just returned from vacation to learn that my Citibank bill is 2 months late. Before I left for vacation, the person on the phone from Citibank said they would 1 ) process my payment 2 ) refund my late fee 3 ) send me the credit card ( which I still 2 months later have not received ) and 4 ) send an updated bill. 

The most recent notice ( received 5 days before it was due ) from them saying that I am months late ( although the payment was processed, it is n't on their revised bill ), will carry a late penalty and up my APR, I have no way of paying the bill without a credit card to get online. I have been kicked off numerous times by their automated phone call system which says that the lines are busy. It has been a week, and I still have n't managed to get through on the phone. I can not log in to pay the bill ( no credit card activated ). Now the statement said my bill was over one month due and that they were going to add ANOTHER late fee and up my APR, meaning that they contacted the credit bureau about my late payment. 
They took my money and are charging me late fees for an account I ca n't access, and I can not reach them on the phone.
This debt company responded stating that they sent correspondence on X/X/17. I had already relocated to another address and therefore did not know nor receive a notice from them ... {$6000.00}. I informed them that I had moved but they are refusing accept the proof I am providing showing I was living at an another address. Please investigate this company as they are making a false statement re : being notified. I will be providing the rental agreement again showing date of execution of move.
I guess my problem is easy enough to fix but I don't know how to or who to call. I applied for credit at an online store and I'm sure I would have gotten it but they were informed that I had placed a credit freeze on my file. I never have!!! It says that it's Equifax credit that told them that. Can you contact them after you see it's not frozen? It's from XXXX XXXX, Phone number is XXXX and my order number is XXXX. Some things I ordered are for XXXX gifts so I'd appreciate it if you can call them to get my order started. Thanks!
In XXXX of XXXX a judgement was file against me by XXXX XXXX XXXX XXXX XXXX even though I was making month payments as agreed. I was told it was taken over by another company. They garnished my wages in XXXX and in XXXX I was told that I still owe them and the debt was transferred to Cooling and Winter. I have payed these people and they are still trying to collect an additional XXXX plus dollars. The order they initially filed I never received. I need papers showing this has been satisfied and they still saying I owe them for court cost and fees which keeps this acct opens.
Account Details Last Reported XX/XX/2018 Collection Agency PHNX FINAN Original Creditor XXXX XXXX XXXX XXXX XXXX  Status Open Opened Date XX/XX/2018 Closed Date -- Responsibility Individual Balance {$1600.00} High Balance {$1600.00} Remarks Placed for collection Creditor Contact Details PHOENIX FINANCIAL SERVIC XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX I thought my insurance paid. I never heard anything until I received an alert from XXXX XXXX.
I previously disputed a creditor that was listed on my Experian report XXXX amount {$2500.00} acct # XXXX The Item was not removed it up updated. I also sent the same letter to XXXX and the creditor was removed. Attached is a report from XXXX stating that their investigation was complete and the Item was removed.
Collection account outstanding balance, creditor XXXX XXXX XXXX U-Verse for {$1100.00}. 
Account # XXXX for service at XXXX XXXX. Never lived there, not my account. 
My name is XXXX XXXX XXXX and this is effecting my credit score. Called XXXX XXXX XXXX, they said they ca n't take off credit info. Called XXXX collection, they no longer have account.
Due to identity theft, I have a seven year alert at the credit reporting agencies. Despite this, a known identity thief who has my personal information was successful in opening a Chase XXXX Bank Card account in my name, with the thief 's name added as well. I was informed of the inquiry through my XXXX account. I called Chase security department who was unaware of the fraud alert, and closed the account. They said they would conduct an investigation. I informed them that I had this fraud alert and this account should not have been issued without me receiving a call from XXXX or XXXX. They went ahead and opened it. What would have happened next is the thief would lock down the account with a password and change the address to theirs in Washington state. This has happened twice previously, with XXXX Bank and with XXXX who assisted me in setting up the fraud alert in XXXX.
XXXX from the University of XXXX in XX/XX/XXXX. In XX/XX/XXXX I was diagnosed with a XXXX. Working as a regional airline pilot during time of medical leave we are not paid. During this time I was unable to pay my extremely high student loan payment of {$1000.00} a month. After contacting the lender they offered no assistance with lowering or modifying the payment to become affordable while on medical leave. With this the loan went into a state of past due and has damaged my credit to the point where I can not get approved for other consolidation loans to fix this issue. Wellsfargo also stated that I can not receive a loan modification because my co signer and myself still meet the requirements for a loan with them. However we were recently denied a request for a new consolidation loan with them. Making less than {$20000.00} a year a minimum payment of {$1000.00} should be restricted.
On XXXX XXXX, 2016, I mailed Green Tree Servicing a Qualified Written Request for the fourth time in less than a year. To date. I have not received a response as required by RESPA, Section 6. That requirement states the following : Once the servicer receives a QWR, the servicer must acknowledge receipt of the correspondence within five days ( excluding Saturdays, Sundays, and legal holidays ), unless the action requested is taken within that timeframe. 12 U.SC. 2605 [ e ] [ 1 ] [ A ]. 
As a result, I am entitled to damages as stated by law : If the servicer fails to take one of the required actions within the time limit, under RESPA a borrower may recover : - any actual damages suffered by the borrower - if there is a pattern or practice of servicer noncompliance, additional damages not to exceed {$2000.00}, and - attorneys ' fees and costs. 12 U.S.C. 2605 [ f ] [ 1 ], 2605 [ f ] [ 3 ].
When I open my mortgage with US Bank I was told that I could repay extra principal and withdraw extra principal by calling the US Bank Mortgage Call Centre. <P/>I have paid over {$70000.00} in extra principal and US Bank is now stating they never had an agreement to give me this money.
I had a mortgage through Capital One Home Loans. I recently refinanced and the balanced was paid in full. Capital One has refused to send me the balance of my escrow account of nearly {$1000.00}. I have called several times and they just blow me off and say they will eventually. It has been over three weeks. If I did n't pay my mortgage within 15 days, I was assessed a late fee ( although I never was, because I pay my XXXX bills on time ). Why should Capital One not be subject to the same requirement?
Ocwen stalled our modification in many, many ways over a span of 8 months leading to them building up ridiculous fees on their behalf. Stalling tactics included : lack of instructions for filling out their paperwork, lack of instruction by phone for their paperwork, when asked several times, the changing of case representatives to make it more of a hassle when you talk to someone, dragging their feet after paperwork is turned in ( months ) just to then be informed there 's an error. The list goes on!
On XXXX/XXXX/XXXX, I received a debt collection notice for {$1500.00} for a closed XXXX cellular account. This debt, however, was paid via my Citibank XXXX XXXX XXXX on XXXX/XXXX/XXXX. Since I was set-up on " auto-pay '' with XXXX, they charged my XXXX on file - which I charged back with Citibank while the final amount/bill were in dispute. Upon receipt of the bill, I reversed the chargeback in full ( {$1500.00} XXXX with my Citibank XXXX and have a statement to that effect. 

I have contacted XXXX corporate no less than XXXX times via email, explaining the situation, providing statement copies and a transaction number - only to have XXXX tell me that they " never received the payment ''. I, however, paid my bill in full - including the charged back amount of {$1500.00} XXXX see attached XXXX and XXXX XXXX statements XXXX. 

I need Citibank to prove that this payment was released to XXXX in the amount of {$1500.00}, as I am being threatened with collection action. I paid my balance in full to Citibank, and the debt claimed owed is in fact not.
I paid XXXX XXXX XXXX XXXX remaining balance later on they said I still owed them more money, I told then explained to them that I paid off my remaining balance. I have the emails from when I paid my bill online. They said the balance that was on there was not the correct. I have tried many times to tell them that no I had paid it off. They keep insisting that I have not. From then on they have charged me more interest.
I was never told when my forbearance was up. I happened to look at my credit score and seen how low it dropped. I had late payments and I did n't know payments were due. I have tried several times to put my loans in Income based repayment but the rep kept sufficient me up for forbearance. While in forbearance my loan gained an astronomical amount of interstate.
I contacted XXXX XXXX on XX/XX/XXXX to inform them of my unemployment status and that I will not be able to repay the loan which I took out in XXXX of 2018. They still proceeded to charge daily interest and send me emails, threatening letters in the mail and also call me at random times during the day. I sent them a letter notice that I am still unemployed in XXXX as well XXXX and they will not stop the harassment. I even reached out to a free legal aide service and was told they could not help me
My1st payment to XXXX was reported late. I applied for direct payment the company didn't take the payment out of my account on time. then report my payment 30 days late XX/XX/2018 in the amount of {$590.00}. I called XXXX they stated that they couldn't change the report that I had to contact credit bureau. This was not my fault my payment was available as scheduled. XXXX didn't take the money out of my account as I had requested.
Equifax, in their gross incompetence, has not only given away my personal information ( along with that of 143m+ people ), they also are unable to confirm whether I am at risk or not. They set up a phony website for users to check if they are impacted but the site literally delivers random results and gives me opposite answers each time I try it out. I 've tried to put a freeze on my credit through them multiple times but neither their website or telephone system work. The government needs to step in and help consumers with this potentially disastrous situation.
I received a new job and had to move to another state. I put my house up for sale and soon realized that the value of the house did not match what I owed on the house. I have submitted multiple requests to US Bank to do a short sale or deef in leiu. There have been multiple issues trying to do the short sale. First issue it took too long ( close to 6 months ), buyer removed purchase. XXXX issue was US Bank would not send out an appraiser and buyer walked. Third issue US Bank wants full amount on short sale and buyer walked. I 've also asked to do a deed in lieu but have been told that since First legal has occurred deed in lieu is not an option.
This is a complaint from XXXX and XXXX XXXX to Specialized Loan Servicing for requesting ( 2 ) two months to respond and failing to answer and respond directly to the actual requests for consumer information that was asked in the prior complaints submitted. 
You have ignored, attempted to cover up problems, give continuous repeated answers to unknown subject requests never made. You have ignored the illegal documents I have informed you of and continue to use and rely on after proof of fraud. I have been denied my lawful right to the information of the recent introduced blank endorsed copy of alleged Disclosure and Agreement Statement ( I did not sign ) you say is mine but will not say when you obtained it. This has nothing to do with closing, PSA, or any excuses you used to avoid a truthful answer. You are deliberately forcing me to take other actions instead of answering simple requests. 
If this is due to the inability of an untrained complaint department with lack of knowledge in these matters then something needs to be done and immediate action taken regarding these most serious XXXX in this department. The recent responses lack direction, lack comprehension of content and fails to properly respond to prior and previous complaints. You can not " close '' something that never took place!
DISPUTED XXXX XXXX BANK SINCE XXXX. WITH THE ASSISTANCE FROM THE CFPB I HAVE GOTTEN IT DELETED FROM XXXX, HOWEVER THEY REMAIN ON EXPERIAN AND XXXX. I WILL NEED THE FRAUDULENT INQUIRIES REMOVE FROM ALL XXXX BUREAUS