WillisBack/dataset-financial-user-claim huggingface dataset:
i co signed for a friend on a lease about 4 years ago she had to sign XXXX leases since then that i did not co sign. all of a sudden i get a call that i owe money for what her judgement was because she broke the lease. they sent me a letter stating that i had 30 days to dispute and the would send supporting documents i sent them a letter and faxed them my dispute. they then began calling me XXXX a day for a period of time. they said that if i did n't pay they would put it on my credit report i asked them a number of time if they were going to send me the documentation they told me they had not received it i got a hold of the person who holds the lease and she called them and tried to set up payments but they refused to accept them now i have this on my credit report and i do n't think it was put on there properly are n't they supposed to give me documentation that the dept is mine
I filed a dispute with Experian and XXXX ( XX/XX/2018 ) for a Chapter XXXX bk reported on my credit to follow suit about the findings of this bankruptcy. XXXX   deleted this Chapter XXXX entry on my credit report due to their findings on XXXX XXXX and I've asked Experian and XXXX to follow suit. Their findings came back verified with no valid response. Also, I have informed them that the Bankruptcy Courts do not furnish this information to the creditors and I find that they have not investigated this thoroughly because if they did, then it would have been deleted.
Ive attached the original letter that will explain how this started. To explain where we are now ... Ocwen refuses to release the remaining insurance proceeds so we can finish our flooded home and I have a letter from Ocwen stating once we were at 90 % repaired they would release and they will not do so. They received our initial insurance check on XXXX XXXX and after many many many fighting phone calls, and complaint with XXXX and La Attorney Generals office, they release the 1st pymt on XXXX XXXX. We had an inspection in mid XXXX and that came back at 90 %. and yet again not releasing all of the money, only a portion. Also, when this event occurred Ocwen waived our XXXX XXXX and XXXX payments and offered to spread them over 9 months with our 1st payment beginning with our XXXX payment. Our payment amount is XXXX and XXXX goes toward the payments of XXXX XXXX and XXXX ... .they have been reporting us late to the credit bureaus ever since. When I got our local authorities involved they corrected the late payments for XXXX XXXX XXXX and XXXX but are continuing to report us late for XXXX XXXX and now XXXX, sending my credit score down over XXXX points. I would like to receive the remaining {$31000.00} dollars in insurance proceeds released immediately and for them to correct all aspects of my credit file so that my score returns to what it was prior to them reporting incorrectly. Any help is much appreciated. I have attached several docs as reference that supports all that I have spoke about. Sincerely XXXX XXXX XXXX
I have consistently received incorrect information from loan service officers at American Education Services, or have received contradictory information from another officer upon followup. In some cases this has caused me to incur late fees or has negatively affected my credit rating. The most recent example was in XXXX-XX/XX/2018. In XXXX I called to report hardship making my loan payment and asked what options, if any, existed to lessen the burden. After informing me that most of my options were exhausted, the officer told me that after my account was 31 days past due, I could call in and make a good faith payment, which would bring my loan current and begin a process of reduced repayment plan ( RPP ). After waiting the requisite amount of time, I called back and another officer informed me that I was not eligible for this option and the only recourse I had was repayment. Meanwhile one of my loans had been put in deferment, for an unknown reason, presumably by the first loan officer ( who told me it was not possible to defer this loan ). I pressed the second loan officer to explain why the first one had told me about the RPP. Did she give me bad info? Was she incorrect? After putting me on hold she told me that if I made a good faith payment, I could request an RPP. 

This leads me to believe that not only are AES staff oftentimes giving out wrong information, but they are purposely concealing the options that are available, hoping they can coerce people into repayment ( for example, by mentioning that if they don't repay, their credit will be negatively affected ) when in fact there are other alternatives. 

Added to their constant harassment of me and my cosigners, even when I speak to them and we agree on a repayment date, this behavior is unacceptable and there seems to be absolutely no accountability. I ask that the CFPB look into this and other complaints against American Education services and consider taking action to curtail these dishonest policies. Paying off student loans is hard enough without an organization like AES confusing the process.
On XX/XX/2018, Regional Acc. pulled my credit report without my permission. I tried and tried to resolve this issue with XXXX and Regional Acc. but they are blaming each other but not resolving the issue of removing the inquiry. The dealership also tried to reach out to them about this unauthorized inquiry but they never responded. Attached is a copy of the letter from the dealership stating that the unauthorized inquiry is done without my permission. They allowed one of my family member fill out a application with my name, social security number and date of birth without my authorization and Driver License.
I had an emergency situation and incurred a medical debt to a hospital in Oregon. I made payements directly to them for months and paid the debt off XXXX/XXXX/XXXX. At some point a debt collection company came into the picture months after my agreement with the hospital. Now that everything is paid off The debt collectors are holding my credit report hostage for {$35.00} of interest they say I owe them, not the hospital.
My credit report shows a collection account by XXXX XXXX XXXX for something called " XXXX XXXX ''. I sent the attached letter to XXXX XXXX XXXX requesting proof in the form of a signed document by me stating that I am responsible for this account and to date no one has responded to my request. I believe this is a violation of the Fair Credit Credit Reporting Act. My identity was stolen and I am only finding out about it now as I went to apply for a credit card. I am demanding strict proof that this is my debt and I want to see where I signed for this loan/credit card or whatever the original debt is. It has been over XXXX since since I made my request and this is hindering my approval for an apartment.
I have worked and worked after seeing my Credit Report and saw so many accounts that did not belong to me. I was saddened because I had no idea that it was even legal to report so many things that were untrue. I do not have a problem with paying debt that belongs to me but this is ridiculous because I have no knowledge of these accounts, please remove them immediately! XXXX No knowledge of this debt! XXXX/ XXXX-No knowledge of this debt! Ive never had a XXXX account nor do I have a home to get these services, I am trying to get a home and that is why I pulled my report, I live with someone else currently! XXXX reports 3 times, have n't even been to college so this could not be true! I have no knowledge of this debt. XXXX XXXX, Same as stated before, I have no knowledge of this debt. XXXX XXXX XXXX- No knowledge of this debt. XXXX XXXX- No knowledge of this account! XXXX XXXX -No knowledge of this debt! XXXX XXXX -No knowledge of this debt! I also have unauthorized inquiries and I have no knowledge of these companies! Nor did I give them the authority to pull my credit! XXXX XXXX XXXX XXXX XXXX XXXX XXXX Alabama XXXX XXXX XXXX XXXX All these inquiries are unauthorized! Please help me to remove these things off my credit. They are stopping me from moving forward and this is very much unfair because this debt does not belong to me!
To Whom It May Concern, There is currently an inaccurate item being reported on my credit report from Account Name : XXXX XXXX XXXX XXXX. 
Account Number : XXXX I have contacted this company at the address listed below on my TransUnion credit report which is : XXXX XXXX XXXX XXXXXXXX . XXXX XXXX XXXX, CA XXXX As you can see, I have enclosed a photocopy of my mail being returned from the post office due to an invalid address. 

Given that the furnisher has provided false information to TransUnion about me, and provided TransUnion with a false address, I demand that the item they are reporting be removed immediately.
I was advised to reach out to the FTC regarding the following accounts listed that are not mine. I have also reached out to my local police department and the creditors and have not been able to get this resolved. I'm reaching out to you all to see if you can help me with this. 

UNKNOWN ( XXXX : XXXX UNKNOWN XXXX  : XXXX XXXX, XXXX XXXX  XXXX  ( XXXX : XXXXExperian : XXXX, XXXX XXXX XXXX XXXX  ( XXXX : XXXX Experian : XXXX XXXX : XXXX ), XXXX  XXXX  ( XXXX  : XXXX Experian : XXXX XXXX : XXXX ), XXXX XXXX XXXX  XXXX ( XXXX : XXXX Experian : XXXX XXXX XXXX XXXX : XXXX ), XXXX XXXX XXXX XXXX ( XXXX  : XXXX Experian : XXXX XXXX XXXX : XXXX, XXXX   XXXX  XXXX TX ( XXXX : XXXX Experian : XXXX XXXX  : XXXX, XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX  ( XXXX  : XXXX Experian : XXXX : XXXX. I requesting the above accounts be removed from my credit report.
Every month my balance would be example A but my fanicial Intrest on my account is on XX/XX/XXXX.chase bank would state that my princple balance is A but when i get my monthly statement.i see that chase add faniacial intrest to my balance causing it to be higher so when they do the math chase comes out with more.for an example see below XXXX on XX/XX/XXXX should be XXXX plus intrests.not on XX/XX/XXXX bal XXXX added intrest causing balance XXXX than intrest added again saying bal was XXXXon XX/XX/XXXX. Puting chase at a better position against customers. I think its fraud.and it keep cusumer in debt.you can call for your balance its one thing but day of intrest add that balance is higher for some reason.if i sont say nothing the banks are getting away with it.why would the principal bal change that much fron XX/XX/XXXX to XX/XX/XXXX and card not being use.ita a scam.so i report chase bank.
We applied for a mortgage refinancing with Freedom Mortgage at the beginning of XXXX XXXX. After XXXX failed closing dates, unreturned phone calls and e mails, endless time on hold and hours of our time wasted we finally closed on XXXX XXXX, XXXX. I have pages of notes, phone messages and emails to show the incompetence of Freedom Mortgage. I was required to sign a document that stated that I received Disclosure documents 3 days before closing. They did send Disclosure documents 3 days before but they were incorrect. I had to bring this to their attention so the closing could be completed. I finally received the correct Disclosure documents the evening before the scheduled closing. This company is incompetent in so many ways it is inexcusable If it was n't for the money it finally saved us on the refinancing, we would have abandoned this endeavor after the second failed attempt.
Company began calling me in XX/XX/2018. Ive requested a copy of the debt as I have zero record of an unpaid bill. The company has refused to send me something in the mail but continues to report it to the credit agencies. 

When I ask why they refuse to send me something in the mail the responses have been " We did. '' - refuse to admit they never mailed me anything. Even when I explain this is the only piece of mail I seem to never receive and have reconfirmed my address multiple times. 
" Why don't you learn how to pay your XXXX bills '' - By a female employee in XX/XX/2018. When I asked to speak to a manager at that point he told me I lied and she didn't say it. When I asked the manager why I still am not receiving a copy of my bills he once again said they have sent them but again, as of XX/XX/2018 I have never once received anything in writing from them as requested so I can dispute this charge with the original party as this was a health care bill that should have been covered by my insurance carrier and I've explained that I need more details before I can even attempt to resolve this and get the debt taken away from my name. 
XX/XX/2018 - called in again. Still refusing to send me something in writing but have not stopped calling me names or telling me to learn how to pay my bills. 

This is harassment and I want it to stop. I pay my bills on time and have over a XXXX credit score. I am trying to resolve this with the original lender and this company is purposely preventing me from doing so. 

Debt Collector Details : Suburban Credit Corporation XXXX XXXX XXXX, XXXX, VA XXXX Phone : ( XXXX ) XXXX
I have disputed this debt multiple times yet you keep saying its my de t. I need debt validation. Send me some kind of proof with my signature on it showing this debt is infact mines. Because I have no knowledge of this debt and it needs to be removed from all 3 credit bureaus asap n not to pop up again.
In XX/XX/2016 I moved out of XXXX XXXX XXXX XXXX XXXX, I had over paid an extra months rent. After moving to the other side of the US I saw that I had a collections waiting on my credit report. I called and they said that they mailed me the letter but it was returned to them and on top of such I was not being refunded any money but then being charged more money. They now want {$1600.00} to the sound collections company. I have still yet to receive anything physical about this claim.
Late XXXX/Early XXXX I contacted Barclay Card US to dispute a merchant charge From XXXX for XXXX due to me not receiving the product that I ordered. 2 months pass with no contact from Barclays then I log into my account to see that the charge had been charged back to my account. I contacted Barclay Card US again on XXXX/XXXX/16 when I noticed the charge had been charged back to inquire why and they stated because the merchant was able to provide my Name and Address. My reply to them was " The whole reason the dispute was submitted was because I never received the Product '' I never stated that I did not place the order with them. So It does n't matter if they were able to provide my name and shipping address If I never received the product and that is the reason the dispute was submitted. I also tried to contact the Merchant XXXX regarding the charge and to request a Shipping tracking number. The Merchant never responded after numerous attempts to contact them and numerous emails sent. No shipping confirmation was ever provided. And I 'm 1000 % sure they were not able to provide any shipping information to Barclay Card US. I need this charge and all interest associated with it to be removed from my account immediately.
When we made the final lease payment on a 2015 CRV with Honda Financial Services, they attempted to add on a {$350.00} " end of lease '' penalty/fee for not buying the car. There is a section ( see attached copy of agreement ) that mentions a fee, but there is a N/A next to it which we were told meant non/aplicable and it did not apply to our lease. We leased from XXXX XXXX ... which has gone out of business and is now owned by XXXX XXXX XXXX. I have sent two responses along with a copy of the lease with highlighted section showing the penalty/fee does not apply to us to both XXXX XXXX and Honda Financial Services.. They just ignore my correspondence, send us more bills and threaten to ruin our credit by reporting us as being delinquent to credit bureas.. We made 39 lease payments, all on time, and returned vehicle in perfect condition ( professionally detailed ) and with only XXXX of XXXX miles used. Tacking on an additional fee that does not applhy to us seems very close to fraud.
XXXX XXXX continues to contact me regarding a debt owed for a gym membership. I have contacted the gym and requested a call to discuss the membership. My calls have gone unreturned. XXXX XXXX robo-dials and does not make a representative available to speak with. I have tried speaking with someone to dispute the debt but have sat on hold for too long. This company calls at all times everyday. My original debt was {$7.00} but each month that it goes unresolved, they increase it by {$7.00}.
I have had a mortgage with XXXX for almost 20 years. A couple of years ago I opened an " XXXX '' business credit card account with XXXX. After receiving the new card, I phoned their customer service to merge the credit card account with my existing mortgage account so I could access both with a single login to their web site. They did not inform me at the time, but in doing so they actually created a *new* online profile for me, and in the process they disabled the automated ACH payments I had set up to pull my mortgage payment directly from another bank on a monthly basis. Although I eventually realized there was a problem after reviewing my bank statements several months later, several of my mortgage payments were late due solely to XXXX 's own actions, and these late payments are now reflected in my credit report. I attempted to contact XXXX to have them resolve the blemish they caused on my credit report, but they would not. I attempted to dispute the issue via a credit reporting agency, but again XXXX refused to accept responsibility.
I have a loan with XXXX XXXX. 

I paid off one of my loans in full on XX/XX/2018. The loan was " DIRECT UNSUB STAFFORD LOAN '' and had a balance of {$200.00} when I made this payment, and I directed exactly {$200.00} to be paid against this loan. Somehow, XXXX XXXX is still showing that I have a balance of {$1.00} on this loan, which is the amount of interest I paid on the loan on XX/XX/2018. 

I do not understand why the loan still has a balance. I paid it off in full on XX/XX/2018. Is this happening to other loan re-payers as well? Is the servicer artificially maintaining our loan balances as a way to exact additional funds from us? 

I would like an explanation of this, or a corrective action to be taken against the servicer. If I am repaying loans in full but STILL being charged interest, that is a major issue.
TRANSUNION, XXXX AND XXXX TOOK 45 DAYS TO INVESTIGATE XXXX XXXX AUYOLOAN NO.XXXX. 
THIS VIOLATES THE F.C.R.A. CONSUMER PROTECTION LAW 'S.
The account XXXX credit card ) from Wells Fargo closed on XX/XX/XXXX2012. Although I was aware of it and paid the debt, somehow it was still on the credit report. The amount was {$2200.00}. With some help from my parents, I was able to pay the debt.
I went to the ER for medical attention on XX/XX/XXXX. I started receiving multiple medical bills for the services provided. I had medical coverage with XXXX. The benefit statements from XXXX  for the claims submitted were to be paid by XXXX. During the claim process, one specific provider in the amount of {$2300.00} forward my medical bill to a collection agency, Transworld Systems Inc. They sent me a collection notices and I disputed it, notifying TransWorld that XXXX  had paid the provider per XXXX  's billing statements. Thinking this matter was resolved and paid, I did not further investigate. I am going through the process of obtaining a business loan. This collection appeared on my credit report. I disputed it with the credit agencies XX/XX/XXXX. I contacted XXXX. I learnt there was an oversight on their end as far as paying the provider. They resubmitted the claim for process and conference in a call with TransWorld to explain what had happened. TransWorld assured they would contact the provider and confirm with them that the payment was made.I called TransWorld to follow upXX/XX/XXXX. I had to explain the situation and they told me not worry it was under review. I told them this was an urgent matter and I requested to speak to a Supervisor. XXXX XXXX XXXX came to the phone. I again explained my concern and told XXXX I had in my hand a letter that XXXX emailed me explaining the circumstances of their mistake and the provider had been paid. XXXX XXXX, said, he could not help me and he did not have control over the service provider response back to TSI. We would just have to wait. I requested a letter of deletion from TSI in order to provide it to my loan officer. He refused, and said TSI does not provide letters of deletion. After an hour of discussing this with him, I felt I was just being giving the run around. XXXX XXXX XXXX would say, we review each situation on a case-by-case, and then he'd say, they would just listed as paid in my credit report but not delete it. I didn't understand how he could take this stands when it is clearly a mistake and even enough I had documentation payment had been made to the provider. I asked him several times, how can you report this on my credit report if it is in accurate. He kept on referring me back to the provider and saying they ( TransWorld Systems Inc ) are only a 3rd party collection agency. I said, I understood, but TransWorld Systems Inc was the agency reporting the collection and no one else but them can report it. He would not agree with me on that. I this point, I knew XXXX XXXX XXXXs not in the business of helping people and I wasn't going to get help from him in resolving this matter. I went ahead and fax over the information anyway,XX/XX/XXXX/ XXXX XXXX  CST. Even though he said there was nothing he would be able to do. I called back and asked for XXXX XXXX after I faxed over the documents. He refused to take my call. I was told it would take 24-48 hours to get the faxed documents uploaded into their system. I've never heard of a fax taking that long. It is clear to me, they are unwilling to corporate with me. I tried resolving this in good faith with them to no avail.
I went into the bank to get a loan on the credit report serviced by cbc innovis it shows that I have over {$56000.00} all on student loans on the balance, I have a duplicate student loan account XXXXXXXXXXXX x2 and XXXX separate smaller accounts which affected my credit score as well as not showing my payment history making it basically look like I have not been paying on my loans, and that the duplicate account from the same company ( XXXX ) was reported on the same dates with the same last activity, also including the same high credit/balance along with same information regarding both a past due amount on both accounts.
XXXX XXXX XXXX,,, collection agency XXXX XXXX XXXX XXXX. 
Balance {$57.00} Highest Balance {$57.00} OpenedXX/XX/2014 ( 4 yrs, 3 mos ) Account statusOpenType -- XXXX XXXX  NameXXXX XXXX XXXX I have a doctor in XXXX, Tx .... XXXX XXXX. I pay for all office visits out of pocket. The XXXX XXXX XXXX have the wrong information. I do not owe them anything and want this negative remark removed from Equifax and XXXX. XXXX already deleted it. Incorrect information.
I noticed an old hospital bill on my credit report. I contacted the agency listed as the current creditor The Law offices of Mitchell Bluhm & Associates. The creditor had reaged the debt, which they claim was the original day they purchased the debt from the original creditor. Mitchell Bluhm & Associate refuses to amend the information on my credit report, and have caused harm to my credit score. I want the company to be penalized for unfairly impacting my credit report and score.