WillisBack/dataset-financial-user-claim huggingface dataset:
There are 2 accounts included in this complaint. # XXXX for {$410.00} & # XXXX for {$370.00}. I don't know what the status is on both. These collection accounts appeared on my credit report recently out of the blue.account I have no knowledge them it all. Looks like they came from XXXX XXXX  and sold to this collection agency. I am filing a claim against XXXX XXXX as well. I received a notice from Resurgent Capital Services. I started cleaning my credit and found that it had already been reported to All credit bureaus. I sent a letter of dispute to Resurgent and XXXX XXXX on numerous occasions for both accounts asking for validation, original account level documentation. Every time what I requested was refused but Resurgent would send me a printout of incorrect information. I have NEVER did business with XXXX XXXX, but Resurgent is making it their business to pin this on me. I wasn't aware of it until I started cleaning my credit. This account is 100 % fraudulent. I have no idea when the original account close because I was never notified of anything from XXXX XXXX. I've even disputed it with All credit bureaus and they all state verified not validated from the furnisher on record.

These accounts were actually with another collection agency. I sent letters for validation and they didn't have it so they sold the accounts to Resurgent. Which I believe is illegal because collection agencies can not buy accounts from other collection agencies.
I am current on my mortgage with Nationstar. On XXXX XXXX I received the attached llletterletter from Nationstar claiming I was " more than 30 days late ''. I called the XXXX -- XXXX number on the letter and was told I had missed my XXXX 2015 and XX/XX/2015 mortgage payments. Since them I have sent them cancelled checks, proofthat Nationstar both received these payments and cash the checks. Finally I wasable to reach someone by telephone who told me that in fact my payments were cucurrent through XXXX XXXX 2015 but despite repeated requests they have not sent mea statement of my account showing all payments are current.
I have never received any written or verbal communication from this company stating I owe them anything. The last I heard from XXXX was they were going to investigate the debt and they will have diversified consultants stop the credit reporting. This is against the law and they have no proof that I owe this debt.
In   XXXX   XXXX  , my then girlfriend and I obtained a car loan together in  XXXX , Oregon. We were notified the lender was NAFCO Finance. Because my then partner had horrible credit, I was needed to be the primary borrower, even though I did n't and do n't have a driver 's license. ( I have  XXXX  relating to a   XXXX   XXXX   and do n't  drive  ) The initial loan was obtained based on her ( ex-girlfriend, her hereafter ) income, housing, as well as my income. I made a  XXXX -dollar down payment about a week after obtaining the vehicle ( which was about a  XXXX  vehicle-since I am not supposed to be too specific ). Just after that, she ( my ex ) ended our relationship, demanded I move out, stole the extra set of keys, and filed what ultimately turned out to be a baseless civil stalking claim ( it was dismissed ). I am in another city, have never driven the car, have n't had access to it, and have n't paid one payment. I have repeatedly sought refinancing from  NAFCO  and her, to which NAFCO ignored the requests and she attempted to label me as a stalker. During the civil case ' hearing, it was introduced she no longer has the same job or income or housing ... so the entire bases for the loan dissolved days after the loan was approved.   She made a number of timely payments. I asked repeatedly for any way to remove my name from the loan, since I had no real interest in it or relation to it. There was no reasonable reason to not refinance it with her ... they had my consent, and she had made payments on time.   In   XXXX   XXXX  , she was over 10 days late in paying her payment, and this adversely impacted my credit.
I XXXX XXXX with This letter is to complaint about a problem I am having with PNC Mortgage loan # XXXX, I am complaining because they been foreclosure on me since XXXX/XXXX/XXXX width paper work from a mortgage paper work from XXXX/XXXX/XXXX, I complaint and say they used the wrong documents but no one does anything to help me on this wrongful foreclosure because I modified my mortgage on XXXX/XXXX/XXXX and on this loan they commit violations of TILA I have already attempted to resolve this problem by contact them by phone and in written. I have enclosed copies of my records. Include copies of their letters and other relevant documents with dates and Balance Discrepancy 's. Unfortunately, the problem remains unresolved I am hereby requesting that you CFPB please help me with this Bank PNC to repair and fix this foreclosure and I Insist Pursuant to TILA, 15 U.S.C. 1635 and Regulation Z, 12 C.F.R. 226.23, on changes to the release document such that you PNC MORTGAGE are not able to claim the note and mortgage because they are void, invalid, non-negotiable, Pursuant to TILA and Regulation Z, you have twenty days after receipt of this Notice of Rescission to return all monies paid and to take action necessary and appropriate to terminate the security interest. Please be advised that the mortgage is automatically voided by operation of law upon rescission under 15 U.S.C. 1635 ( b ). and for you CFPB to help me to get this to the respect Parties to send demand letters to for errors and omissions and malpractice and find this bank guilty of the damage they have caused me, I have been struggling with my case for XXXX trying to negotiate a loan modification but this Bank PNC ignore my request for two years I am not asking to give me a free house I am asking you for justice for me as well as for other citizens, These bank continue to take advantage of the clients and home owners, mock the laws with fraud and false statements false documents and here I have evidence on XXXX/XXXX/XXXX my house was on for foreclosure sale that I stop filing for bankruptcy protection even after I send them the rescission notice, all I want is justice and a loan modification and the adjust price of my home that is under water Thank you for your anticipated assistance in resolving my problem.
I am trying to sell my home. I am in escrow. My loan was sold to Select Portfolio Servicing. SPS has such poor systems that they could not answer any questions about the loan for 2 weeks. Then they are unable to generate a payoff quote for another week. The SPS call center was completely unable to help and could not provide any info. Banks should not be allowed to offload the cost of their poor systems onto consumers.
I received a letter dated XX/XX/XXXX from wells fargo telling me that they did a risk review of my credit card account and had decided to close it. I have never been over the limit or late on a payment as a matter of fact I paid the balance in full every month. Immediately called on XX/XX/XXXX ( when i received the letter ) and was connected to the executive office and spoke with XXXX. I explained that I was unable to redeem the rewards I have been saving for years from the card because they closed it. She put me on hold and looked into the matter verifying that I had indeed earned XXXX points through my purchases. She agreed that I am due the rewards and gave me a case number and phone number and said that the case manager would call me the following day. 

The following day I returned a missed call from XXXX my case manager on two occasions but she didn't return my call. On the third call I spoke with the person that answered the phone and he said he would look into whats going on, after a long hold he returned and said that the rewards have been forfeited and that was a final. After informing him I was never given notice or any chance to redeem my honestly earned rewards he just stated again that they have been forfeited. 

I see that closing accounts for no good reason is a common practice at Wells Fargo but I have earned those rewards and this amounts to theft.
XXXX XXXX, 2017 Equifax Information Services. LLC, XXXX. XXXX XXXX, XXXX, GA XXXX XXXX : Please be advised that as a result of my continual efforts to get my credit bureau file corrected, the following issues have not been adjusted : 1 ) XXXX XXXX is still showing a balance on my account. I have attached my communications with XXXX XXXX ( see attachments ) since my last dispute, however XXXX is the only party not removing their account from my credit file. Based on my opinion this appears to be a form of EXTORTION. I had someone dumped into my credit file and XXXX rectified that issue, except for the charge offs. I have gotten all the charge offs removed except XXXX. Please note that only my name can be used to apply information to my credit file and I recently had a fraud alert placed on the account. This issue has created a hardship for me in many ways, including much higher premiums that are not justified! If necessary I have the original envelope and letter that can be scanned and forwarded electronically, that backs up my claim. Please let me know if this is required. 2 ) There are closed accounts still showing from years ago. 3 ) Recently, I used {$500.00} to {$600.00} in credit card usage, well within my credit limit, and suffered a 30 point credit score loss. It was paid within the allowable timeframe and has not been readjusted to the original credit score. Is someone trying to extort something? Please review my issues above and correct my credit file and credit score to more accurately reflect my payment history and credit standing.
On XXXX_XXXX-XXXX I made an attempt to Register and Create an online account with my American Express credit Card. the system asked for my mother 's date of birth. Needless to say I do not know it because we are trained not to carry or use someone else 's " Person Identifiable Information '' ( PII ). I contacted American express on XXXX-XXXX-XXXX by Express Mail with a copy of my certificate of completion on " Security of Personal Identifiable Information '' ( PII ) and asked if I can have that portion changed ( Security ), because I do not know my mother 's birthdate. also, I asked that I be contacted in writing and not by telephone, ( I had telephone technique training ). I was still contacted by telephone. A XXXX or XXXX XXXX XXXX asked to give her a call from voice mail message, XXXX extension XXXX. I called her and she stated that all I have to do is give the month and day of her birth and I told her it is still my mother Identifiable Information regardless, because month and day ID her and not me. XXXX or XXXX XXXX was very adamant that this will not be PII violation. My complaint? To make you all aware that we will never get credit card fraud under control and Cyber Security corrected until these people in corporate places learn to cooperate with government and revise their settings and profiles. I quit looking for Justice with these complaints ; there are no resolve to my personal issues. I WILL NOT REGISTER MY CREDIT CARD ONLINE.
XXXX - ( Online disputes ) To EXPERIAN, I demanded validation of unauthorized inquiries, duplicate, inaccurate State tax liens, and an inaccurate and obsolete bankruptcy being reported on my credit report. 

XX/XX/XXXX - In EXPERIAN Report # XXXX, EXPERIAN reported that EXPERIAN 's investigation was complete. Two inquiries were " Deleted ''. The duplicate, inaccurate State tax liens and the inaccurate and obsolete bankruptcy were not invesitgated, verified, nor deleted XX/XX/XXXX - In EXPERIAN Report # XXXX, EXPERIAN that the duplicate, inaccurate tax liens were " Deleted '' BUT that the inaccurate and obsolete bankruptcy " Remains '' because the furnisher verified the information as accurate. 

XX/XX/XXXX - ( Document # 01 ) Via EXPERIAN 's online document upload portal, I disputed the inaccurate, obsolete bankruptcy EXPERIAN was still reporting. 

XX/XX/XXXX ( Document # 02 ) Following telephone calls to EXPERIAN, via EXPERIAN 's online document upload portal, I disputed the inaccurate, obsolete bankruptcy EXPERIAN was still reporting again. 

XX/XX/XXXX- In EXPERIAN Report # XXXX, EXPERIAN asserted that " Each national consumer reporting agency may interpret the requirements of the Fair Credit Reporting Act differently and each comany has their own policies and guidelines for disputing information. '' Again,  EXPERIAN neither vaidated nor deleted the inaccurate, obsolete bankruptcy that EXPERIAN claims the furnisher did provide verifiable documentation.
XXXX XXXX XXXX called me in XXXX 2016 regarding a supposed debt they purchased from Synchrony Back/ Care Credit. I requested that XXXX XXXX Validate the debt in this initial call. Agent stated that they do not have to validate anything and that I had an obligation to pay. I sited the federal and state statue to agent at which point he stated that they do not take validation requests and that I must submit in writing. Agent refused to give ma an address where I could submit so I located it on line and on XXXX XXXX, 2016 I sent a written request to MCM. 

On XXXX XXXX 2016 I was served a summons to either respond or appear in a complaint regarding this attempted collection. In XXXX I summons can not be served prior to an action being filed with the clerk. I called the clerk of the XXXX XXXX Court and was told that nom action had been started. 

Summons have XXXX date on it and does not have a court seal or case number. 

Called XXXX XXXX Court on XXXX : advised that there is not case filed with the court XXXX XXXX XXXX XXXX XXXX XXXX XXXX That if a case was filed, before a summons would have been stamped with a case number and a court seal. 

Called the number for the Attorney on the account and was rounter to a dump all number for XXXX. 

Was given a different number XXXX. Spoke to XXXX XXXX Advised about the information that I previously filed and that there was never a response. Advised that I would fax and mail again Advised that the tactics of serving someone with a summons on a case that has not been filed is an intimidation tactic and violates XXXX and FDCPA XXXX Gave me Fax XXXX XXXX advised that I should talk with a paralegal or attorney for XXXX and transferred my in to a bling que. 

Spoke to XXXX XXXX Ex : XXXX As I was discussing this action with him he attempted to say that XXXX is a serve first state. Advised that I spoke to the court clerk in XXXX XXXX and was assured that service is only legal after an action is filed. 

Advised on history and Midlands Failure to provide validation. Advised that filing an action in this case is illegal and that serving a summons is an act of intimidation and violates Federal and State Law. 

I advised that I would be happy to email the previously filed validation request and was either place on hold, muted or was disconnected. 

Called back : Spoke to a rep names XXXX and asked him to transfer me to XXXX XXXX 

XXXX provided me with his email address and stated that he was putting together a validation letter. 

I received the so-called validation but there is nothing in there that states my rights as is required.
XXXX/Nelnet purchased my loan from XXXX recently. Initially they sent 2 letters, one of which  incorrectly stated that they purchased my XXXX loan, which they did not. I set up my account and made my first payment which has been withdrawn from my account. Since then, they have never contacted me, however have called my parents dozens of times insisting that I am delinquent on payments. When I called XXXX to discuss the matter, they confirmed that they had called my parents and that my account was paid up to date. They offered no explanation and refused to discuss it any further. They informed me that my parents should no longer be receiving calls. Since then, the calls have not stopped and my parents have continued receiving calls that still insist I am late on payments.
A collector at DCS ( named XXXX XXXX ) contacted my husband at work to discuss my student loan. My husband is not on my student loans and I had NOT given permission for any third party to discuss my information. He gave my husband my information to verify my identity.
They sent me an email stating that my credit score has dropped to XXXX  so they closed my account and I do not owe them anything, however, they have been calling me requesting payment every day.
There is a bankruptcy reported on my credit report that is incorrect. I have disputed it and the CRA has maintained that the court has verified it. This is a lie, the court verifies no such information. I have included the transcript of the voicemail left by th e Clerk of Court. She has provided her number if they need to call for follow up. I 'm  not sure where they are getting the information but it is not from the court as they have said. Additionally they verified the bankruptcy as a reported "  XXXX  '' balance case. I 'd like to know who files bankruptcy on for a  XXXX  balance? The clerk has also verified they do not provide social security numbers or birth dates to PACER or the likes. The reporting of this information is a clear violation of the FCRA.
Enhanced Recovery Company has contacted me over XXXX debts that are not mine. On both occasions, I called and informed them of this issue and they said they " would make a note and take care of it. '' XXXX of the debts has now been reported as delinquent and is on credit report, The process for removing this debt from my record is exhausting and slow and places the burden of proof on the individual and not on the person assuming the debt. ERC has acknowledged that this debt is only linked to me by name and not through a social security number. Despite my contacting them and rejecting ownership of this debt and they having no proof that the debt was in fact mine, they still reported it to the credit bureaus and have affected my ability to acquire a mortgage in the short term. This is a shady business practice. Debts whose ownership is not confirmed and verified via a SS number or other official means should not be allowed to be reported.
I started searching for jobs online, I uploaded my resume to several positions at XXXX. One day I got an email for a personal assistant from this person called " XXXX XXXX '' he said he was very interested and offered me the job because of his busy schedule. He said he was an artist,  and traveled a lot so he needed someone to make the orders, take them from suppliers and all the personal duties he could n't be able to do. He said he was gon na send me the check immediately for me to go and get the materials he would need and my payment from there, so he sent an envelope via USPS with a check inside, the person apparently sending this mail was : XXXX XXXX. Address on envelope : XXXX XXXX XXXX XXXX, IN, XXXX. Inside of the envelope was the check with my name printed from a Bank of America account and from " supplier '' XXXX XXXX XXXX the letter said : ( with incorrect english writing ) that the check was for me to get the materials for XXXX XXXX so he could start the painting for them. So I went to Bank of America and asked the representative if it was an elegible check and she said it was and that the account existed and had funds, so I decided to open an account with Bank of America and then I deposit the check to my account. Meanwhile I was emailing and texting with this person " XXXX XXXX '' and he was following up what I had to do each assignment, deposit, etc. I told him the funds were on hold and I started telling him what I wanted more information about : his identity. He said he was out from city and he was coming back, and he continue like that until the check was available and Then he asked me to deposit to another supplier the rest of the check ( taking my " payment '' ) the information he gave me was : XXXX XXXX account name : XXXX XXXX. Checking account No. XXXX When he asked me to do that, I insisted on him to identify himself and he sent me some pictures of a man with artworks. But after that I also asked him for a picture of his ID with his name on it, I told him - '' cover your info I just want to see that because this is weird, more everyday. '' He was agreeing with me but at the end he said if I wanted to run with his money and that he would call autorithies, I told him absolutely not and that I only needed an identification to know who am I working with. After that my account from Bank of America was closed and freezed and I went to see what happened and the manager told me I just made a fraud to Bank of America and I can not open an account or credit at any bank in the Country, she said Bank of America ca n't or want to help or have any relation with me. I did not send any funds to anyone, the " check '' was deposited to my account by me so they say I am part of fraud and now I ca n't get credit from nowhere because Bank of America reported me to XXXX and XXXX XXXX XXXX. I need help I have every proof, information, emails, receiot, etc necessary I need to take this off from me. Thank you very much.
I am submitting a complaint about experian credit reporting agency. I just received my credit report again and I went to re-dispute information on there that is incorrect. Experian will not allow me to re-dispute the information. I have XXXX accts that are held with XXXX bank ... .XXXX. I was told by experian a few months ago that I need to contact the bank directly. I contacted the bank and it was confirmed that my accts were not late and should be showing as satisfactory on my report. I received XXXX seperate letters for each credit card company. I sent in the letters as proof and all they did was fix my express account and put that to the satisfactory where it belongs. As far as my XXXX and XXXX cards they are still listing as negative. This has been going on for months as it is affecting my score which is giving me a hardship in obtaining credit etc. I am annoyed that experian will not let me re-dispute the information. This is completely wrong. This is my credit and information on the report is INCORRECT and they are doing nothing about it. I have provided substantial proof probably 4 times already. My question is why would they finally fix my express account and not the other XXXX being all XXXX cards are held by the same bank. This information should have been corrected all at the same time. It just proves to me that they do not do a thourough investigation and do n't care about me sending them the letters from commenity bank telling them these acct 's were not late and they should show as satisfactory. I also had identity theft done with a XXXX card and XXXX XXXX. I contacted XXXX directly as well ... .i filled out the investigation report XXXX sent me and received confirmation after there investigation it was identity theft and the information should be removed from my report. ( which it is ) however the XXXX XXXX acct that was opened as a result of identity theft they are doing nothing about. Experian just keeps updating the information. I am beyond fustrated as this is my credit and not there 's and it is affecting my score.