WillisBack/dataset-financial-user-claim huggingface dataset:
I am being harassed multiple times each day by a debt collection " service. '' They insist on my providing personal identifying information in order to coerce me to pay a debt I do not have. I am over XXXX years old, and this is clearly elder abuse. Please make them stop harassing me.
My fiancee and I decided to choose USAA to hold our mortgage, so we applied through them initially. Approved us for $ XXXX initially ... .filled out the entire application. And we had to do our own application because we were n't married yet. All that was fine, but how do you approve us for $ XXXX, even though we found a house for way less, and then when we get 4 days from closing to tell us that our loan is no good and that we will not be able to close? And then ask us if we have any family members who could give us a substantial gift for a down-payment? We went from having to take $ XXXX to the table to $ XXXX to the table? So unprofessional. And then our original processor was out for a period of time, but she emailed us and said we were good. That was one issue. Then on the day I was originally suppose to close, USAA calls me back to tell me they have fixed everything ( I was on my way to another borrower ). So during the XXXX stint, we had to provide things that we had already provided ( twice ). Horrible.We kept calling because they were running against the clock to provide the documentation to the closing attorney 's office. Finally, we close. Which brings me to my second issue, if we are both borrowers for the loan, why am I getting the run around on getting my fiancee online access to pay the mortgage? We have called seven times ( on hold as I type this complaint ). We do n't want a 30 year loan. We 're trying to pay the mortgage plus an additional {$500.00} ... .trying to give them money, but no one can seem to help. This may sound petty, but he should be able to see the loan through his online profile and make payments, instead of paying over the phone and paying an additional {$11.00} surcharge. USAA is suppose to be the cream of the crop, but I am very disappointed. We must have done something right because our loan is really good, even the other lender said if USAA can finish it, let them. But this has been a total disaster. At the current moment, I have had XXXX IT tickets put in so that my fiancee can get online access. Nothing has been done. I ask to speak to a supervisor, everyone is too busy. My parents and grandparents are ex-military and so is my fiancee 's family ... ... .they told us to go with USAA because we would get better rates. I waited to write this because I do n't want anyone to give my family or me a hard time with our loans and other services, but at this point it does n't matter. Do not choose USAA to finance your home. 

XXXX XXXX
Hi, My name is XXXX XXXX. I am also a father of XXXX, a husband, and a dedicated contributor in daily society. I am a XXXX worker and love impacting the lives of so many people on a daily basis. When I leave my XXXX I am forced to work a part time job 4 days a week at a XXXX to make ends meet for my family. I currently live in a XXXX bedroom apartment and struggle to make ends meet each month. Day in and day out my family is forced to sacrifice so much because of a decision I made to receive a private loan. The amount I pay monthly is ungodly and is enough for a mortgage on a home. I would love for XXXX day to be able to purchase a home for my wife and family, but for me this is out of the question as I will be paying student loans until I 'm XXXX. I 'm not quite sure how this will work as I get older, as I know I will be unable to maintain the amount of hours I am working now on a daily basis. I do everything I can for everyone around me, if you ask anyone I am XXXX of the most honest and hard working people you will ever meet. I am stuck in a situation I am unable to get out of and I am very disappointed. This decision has left me regretting going to college. I have never missed a payment since sustaining a full time job in 2010. I pay my college loan on time each month and I am always in good standing. Would it really hurt to assist someone in making a better life for their family. I do n't want the option of deference or increased interest rates. I want the option to lower my payment so my family and I can afford the things in life that I went to college to obtain. I look around and I am truly blessed with everything that I have in life, but my family needs more and I want to be able to provide that for them. I would love any assistance that is possible in decreasing or forgiving my loan. Thank you for your time.
I will provide two incorrect/fraud information that was use without my permission that was reported in my credit. 

First one was XXXX XXXX in XX/XX/XXXX that was reported to XXXX XXXX as a hard inquiry on my credit report. 

The Second case is XXXX-XXXX XXXX that was reported to XXXX as a hard inquiry on my credit report on XX/XX/XXXX. This one is odd because I do not live in the XXXX XXXX.
XXXX XXXX, Why did it take a complaint to the CFPB to get BOTW to start allocating " Auto payment '' payments correctly? The last six months BOTW has allocated my payments exactly like my Note states. I complain to CFPB in XXXX XXXX and " Auto payment '' begins allocating my payments correctly, beginning with my XXXX XXXX payment, exactly the way I state previous payments should have been allocated. 

How do you expect me to believe a single word you say/print when your explanations about how " Auto payment '' allocates payments is not the way " Auto payment '' has allocated the last six months payments on my account? 

On page XXXX of the ( XXXX Enclosure ) that you provided, it states in the Comments to Activity section on XXXX/XXXX/XXXX that the {$570.00} " Auto payment '' satisfied the XXXX/XXXX/XXXX payment ''. It states on XXXX/XXXX/XXXX the {$570.00} " Auto payment '' satisfied the XXXX/XXXX/XXXX payment and then on XXXX/XXXX/XXXX the {$570.00} " Auto payment '' satisfied XXXX/XXXX/XXXX payment. On XXXX/XXXX/XXXX I made a {$600.00} online payment that satisfied the XXXX/XXXX/XXXX and {$22.00} of the XXXX/XXXX/XXXX payment date. 
On XXXX/XXXX/XXXX " Auto payment '' allocated the regular {$570.00} payment. When these five " Auto payments '' were made, account was paid ahead more than 1 month and " Auto pay '' still debits the {$570.00} regular scheduled payments. 
. 
Beginning with the XXXX/XXXX/XXXX payment the Auto payment plan allocated the correct regular payment amount of {$570.00} even when paid ahead 30 or more days. Exactly the way my Note States. 

Now if the Automatic payment plan would have allocated the regular scheduled {$570.00} payment on XXXX/XXXX/XXXX " XXXX ( XXXX ) '' and XXXX/XXXX/XXXX " XXXX ( XXXX ) '', the way it has allocated the last six months payments, XXXX ( XXXX ) Late Fee 's would not have been assessed to account. 

Correcting the way " Auto payment '' allocates payments on the last six months payments gets us part way there. I simply want you to honor your obligation by removing the XXXX Late Fees that were created when Auto pay failed to debit these two payments like the way it has allocated the last six months payments. 

Please explain why I have not been provided access to any kind of statement on this loan account in the last 8 years? 

I fully intend on taking as much time as it takes to get these corrections made on my account. I have invested a considerable amount of time providing documented proof of mistakes made. I can not hear and I am XXXX so Simply providing a telephone number is not an acceptable response. 

I have provided detail showing that the XXXX/XXXX/XXXX and XXXX/XXXX/XXXX regular scheduled payments were not debited and applied correctly so please remove and credit the XXXX late fees that your Auto pay program created as a result from not properly debiting regular scheduled payments on these two dates. 

It is my hope that this letter explains with enough detail the corrections that need to be made on this account and corrections are made. 

Sincerely, XXXX
Several phone calls a day from ( XXXX ) XXXX. They never leave a message and sometimes hang up after 2-3 rings. 

I looked up this company online and they are located in Texas. But, the area code is XXXX ( an Arizona area code ). 

Additionally, I have called them a few times and it seems like an overseas call center.
I reached out to  XXXX  an d Trans Union  to get the information on my credit report updated and accurate. I asked for them to please send me verification of the debts I am contesting according to the Fair Credit Reporting Act, Secti on 609 ( a ) ( 1 ) ( A ), y our company is required by federal law to verify - through the physical verification of the original signed certified consumer contract. I received letters back that they had verified them but I did not get any documents with signatures or proof in regards to these debts.
THIS IS MY DEBTH WITH XXXX XXXX. THEDEBTH WAS WRITTEN OFF. I DECIDED TO SETTLED FOR LESS THEN THE FULL BALANCE. I PAID THE SETTLE AMOUNT. THE PROBLEM IS THE REMAINING BALANCE KEEP GETTING REPORTED TO THE CREDIT BEREAU AS I STILL OWE. BUT I SETTLED THIS ACCOUNT.
Our mortgage was transferred to 21st Mortgage in XX/XX/XXXX, at which time, we had been working with XXXX for modification. Despite having TPP, was unable to reach anyone until I learned we were actually transferred to 21st. IT was months before they had our account information, and by that time, 21st Mortgage made us reapply. Unfortunately, they have kept us in dual tracking limbo since XX/XX/XXXX, when loan was with XXXX. It was transferred multiple times with multiple assignments filed ; however, 21st Mortgage acquired loan from XXXX. Hence, it was eligible for HAMP modification. They repeatedly wrongly denied and took advantage of us at every turn. As a result, we have not been able to submit any payment, nor come to any kind of fair & reasonable modification, despite the loan being eligible and part of past XXXX settlement and foreclosure review.
I have disputed a fraudulent account on my credit report from XXXX XXXX. The fraudulent account is on my credit report three times, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX accounts for the same XXXX account and XXXX has refused to removed. This is XXXX XXXX signature on the XXXX XXXX application not XXXX XXXX 's in which she admits. I have provided my signature and XXXX XXXX requested a signature from the year of the contract which is absurd. My signature is my signature and I have provided them that. I have attached a copy where I have contacted the company informing them they have the XXXX fraudulent account on my credit reports 3 times and there has not been an expedited removal. It is against FCRA to have the same account on credit reports. I have also attached my domicile in which I have continuously provided with my signature and showing that the application in which XXXX XXXX provided the information for contact is not mine it is my daughter 's address. They have stated that that I never returned any documents denying that I applied for a loan, that is because I never knew of the loan until viewing my credit reports as I have continuously stated and provided them with my address. My address was XXXX XXXX XXXX XXXX until 2007, then XXXX XXXX XXXX XXXX XXXX I was finally able to get a copy of my contract for my XXXX XXXX XXXX XXXX home showing that was my property until moving to XXXX XXXX XXXX XXXX, which is on my credit report under addresses. I am again asking for this fraudulent accounts to be removed immediately. My next action would have to be legal representation as I have exhausted all reasonable options.
I spoke to XXXX at Sunbelt Credit at XXXX today told them I was sick and probably could not pay until Friday XXXX but would call later in the day after I went to the XXXX . 

XXXX called at XXXX and left a message and then XXXX called again at XXXX and ask wnen I was going to pay, even after I spoke with her this morning. 

I explained to her that I had spoken to her earlier, she said it didnt matter she needed a date when I was going to pay.
My loan payments were always sent on time. I keep explaining this to Transunion but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ;
I have contacted and faxed XXXX, XXXX, and Equifax on several occasions asking them to remove the extended fraud alert from my credit report, but they have not removed it. I never gave them permission to place an extended alert on my credit report. I ask that they have this fraud alert removed immediately.
On XX/XX/XXXX, I received my credit report and found several items that were not mine. After noting the inaccuracies, I notified Allied Collection Service to inquire about the date they claimed I owed. On XX/XX/XXXX, I sent them a letter via certified mail ( See enclosed documentation ) concerning the issue that this was indeed not my debt but also requesting verification, i.e., competent evidence that I had some contractual obligation with this trade line. I also asked for a certified copy of an original contract, with my handwritten signature, specifically naming Allied Collection Services as an entity entitled to enforce a claim against me. My final purpose of this letter was to ensure the company knew I was disputing the debt which I made clear on several occasions throughout the document. On XX/XX/XXXX, Allied Collection Services received the letter ( See enclosed documentation ). On XX/XX/XXXX, XXXX XXXX XXXX provided a response to my dispute and provided the enclosed document as evidence of their lack of sufficient proof of validity. As a printout of a bill or itemized document does not constitute verification.I submitted the documentation to the CRA 's for evaluation that this is clearly not valid proof of debt ownership. 

On XX/XX/XXXX, I reviewed my credit report ( See enclosed updated doc from XX/XX/XXXX ) that Allied Collection Services did not furnish the credit bureaus with the required disclosure, within the period required by law. Allied Collection is required by federal law to place a notice of dispute on my account within 30 days of my dispute, which they signed for on XX/XX/XXXX. All other accounts which were incorrect, inaccurate or incomplete that I disputed had this disputing detail in the descriptions. However, Allied Collection Services did not.This is a violation of the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. As per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] : ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).
The company " XXXX XXXX XXXX '' keeps sending us junk mail about VA refinances. The problem I have with them is the " Final Notice '' portion that appears on the envelope through through the transparent section next to our address. This deceives into thinking it might be a late bill, jury duty, etc. Fortunately I am aware of deceptive tactics like this but others may be fooled. Please make them stop using deceptive tactics like this.
I recently disputed several items with XXXX and the items were deleted from my credit report ... The company name was listed as XXXX XXXX and now they have re inserted the negative items back on my report but under XXXX XXXX, I was never notified by the collection agency nor the Credit bureaus that this information was going to be put back on my reports. This has caused a tremendous drop in.my score and has affected my pre-approval for my home. When, I disputed the items I asked for a debt validation letter along with XXXX correspondence but the company failed to reply back with supporting documents.. They have violated the Fdca law and the Fcra which I can seek damages from the collection agency.. The debt is n't owed because it was included in a paid lawsuit..I have documentation of debts being paid.. the date of services were XX/XX/XXXX,2016..I am asking that these negatives be removed immediately with company and the company be advised not to re insert these items back to my report and if they do, I will sue..
Disputed about XXXX Hard Credit inquiries on my credit report that were not made by me, Transunion did not remove those hard inquires of my report, nor did i get a reply or any kind of update on my complaint. 
I also have XXXX different XXXX accounts on my credit report, i have never had XXXX different accounts with them and those impact my credit negative
On XX/XX/2018, Santander responded to my CFPB complaint XXXX ( attached ) and promised to remove my email from their systems because it was incorrectly sending me notifications of debts that were not mine but those of someone with the same name who lives in a different city and state. 

I continue to receive debt notifications after the representation of Santander that this would be fixed. I have attached debt related notifications of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

The experience has been worse since Santander represented to the CFPB that the notifications would stop.
Upon the expiration of my lease I applied for a car loan from Honda Finance. There were special financing offers including a .9 % which I desired. The agreed purchase price was {$16000.00} which is the requested financing. I had made thirty six timely payments on my lease with Honda but was turned down for financing. I received a letter stating the reason as " AHFC must verify information '' I believe the abbreviation is American Honda Finance Corp. I believe I was denied a loan because I am XXXX.
I have an unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX  provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
excuse my illetercy for my writing of my statement I took out a home equity loan over the phone from Well Fargo Bank around XX/XX/XXXX or XX/XX/XXXX for XXXX dollars for what I thought was for10 years on payment of aXXXX a month which I though I was paying the loan off to fine out in XX/XX/XXXXI was only paying interest only and still owe XXXX XXXX XXXX dollars I was pretty upset about the whole process of being had so Well Fargo started up a new loan with lower interest for 5 years at XXXX dollars a month I recently lost my job in XX/XX/XXXX of this year I notified them of this change and sent Well Fargo all the information to apply for hardship after they review all the document they decline me for assistance they sent me a letter of other resources I could use I took the option of a lump sump settlement they decline that offer to after I had to prove I had the funds available to pay I got another job and started trying to catch up on the back payment of the loan I lost this job and of course my unemployment stop so I fell back again i '' m employed again partime I called for assistance again I sent the nessersery document only to be ask for more I was wondering if I can get some help with this matter I have all ready pay this Bank over 18 ; 000 dollars a consumer that at end of solution of being taking by this Bank
I had   XXXX   XXXX   with  XXXX   XXXX   XXXX   XXXX   XXXX . When I was on the middle of my treatment I have received an statement with a total balance that according my calculations I am not owing. I have requested another complete statement with all the charges and the payments received from my insurance and from me, since I started my   XXXX   XXXX  .   When I reviewed the statement at home, I realized that there are charges as " miscellaneous insurance refund '' and " miscellaneous credit adjustment '' that are not   XXXX   XXXX  . they added 3 times similar amounts that totalize more than {$1000.00}. I was very upset and I have informed them personally and also over the phone about the error and that I am requesting the corrections on the amounts added. I was surprised when I have heard other patient complaining about the " miscellaneous '' charges on the statement too. I did a research in the internet and I found other persons with complaints for similar situations with  XXXX . I concluded that the charges are fraudulent and they did the same thing to several patients. In additi on one payment that my insurance sent to them is not reflected on my account and they refused to  correct that. I have documented proof that I am not owing the amount that they are trying to collect. I am an honest person, I always pay the debts I owe, but I am not willing to pay fraudulent overcharges, I have pay them my treatment I am not owing anything.
I called the number listed with the Creditor Contact Details. I got no answer at first and after that I got a voice-mail stating it was after hours. But I was never told what company I was attempting to reach, etc.

Creditor Contact Details XXXX  XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX   *Estimated based on the date of your inquiry and an assumed 2 year expiration period which will not be until XX/XX/2018.
Different collection agencys keep recycling old debt over ten years ago and keeps reporting on my credit report that it is a new debt the debt was sold to collections agencys over and over again and they are falsely reporting to credit agencys