WillisBack/dataset-financial-user-claim huggingface dataset:
My husband and I had a judgment made against us in XX/XX/XXXX. In early XX/XX/XXXX we made a settlement agreement with the collections company. We were able to pay off the account in full in XXXX. We both then received letters confirming our account was " Paid in Full. '' ( see attachments ) In XX/XX/XXXX, my XXXX account showed a new account open in collections for a new amount ( {$1000.00} ) as well as a drop in my credit score. I called the collections company listed and confirmed it was the same collections company representing the original company. They told me to call the original company about the issue. Shortly after the phone call to the collections agency, the reported open collections account disappeared from my credit report but my score was still lowered. In early XX/XX/XXXX the same thing happened. A new amount was listed under an open collections account ( {$1000.00} ) and my credit score dropped again. Same collections agency listed, same original company. It then disappeared again but my credit score remained lowered. This judgment was made in XX/XX/XXXX and we have had no further business with this company. It was settled and closed in XX/XX/XXXX. They have no reason or cause to continually be reporting open accounts on my credit report. I have not been notified in any way of having an account be at risk of being sent to collections. My husband has had no such issues with his credit report. It seems as if I am being targeted. This is greatly affecting my credit score as it lowers my credit score each time it happens.
We have contacted the lender several times to refinance this balloon mortgage. We have never made a late payment. The interest rate is over 12 % and unreasonable. This is a XXXX mortgage, without help from the Lender, we have no chance of paying off the loan or keeping our home. 

We have been denied help from anyone at the company and told not their problem.
XXXX responded to my previously complaint # XXXX. I was desatisfied with their response. To say they are sorry for my negative experience that date is meaningless. That date I felt betrayed, disrespected, offended. And even worse when I check my credit and noticed that I have a negative report from Toyota. The company that that did not bother to inform one of their client that I have a balance, but yes you informed the credit burea and transfer my account to collection, your partner to be treated without respect to say the least. And you are expect me to contact the same people to make a payment plan? Shame on you. Do you have any idea the cost I paid that date? Have to leave my job because I was highly upset, I work with XXXX XXXX XXXX XXXX XXXX so I have to XXXX XXXX XXXX. I had to take a cab to go home, I could n't sleep that night so, I was unable to work the next day. So I did n't get pay for the time I did n't work, of course. All these events were unnecessary if you would have the time to call me, email me or send a Simple letter. I had made all my payments on time When I was your client, I should n't be treated the way I was, and punished with my credit. Do n't take this lightly I was a very good client of yours. Be truthful I did n't receive any call or you leave a message in my voicemail.. I think I should be the one compensated, for the damages in my credit, for the time I was no able to work, and specially for the XXXX XXXX I went thru.
I have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I have disputed with this company 3 times, they now deem my disputes as " frivolous '' and refuse to accept any documentation on my behalf. I have disputed these accounts over and over again with  XXXX . I had my ID stolen at age  XXXX , my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated. This debt has already been removed by   XXXX   and  XXXX  because it was deemed fraudulent. I never attended said " school ''. This is a fraudulent account that I did not authorize. Does not meet FCRA OR FCDPA requirements. This account must be removed from all credit reporting agencies.
The loan agreement when I signed up for it was suppose to be paid once a month in the amount of {$140.00} and they are taking it every paycheck which is every two weeks, the other agreement when I applied was the pay back amount was going to be {$540.00} on a {$400.00} loan which is now closer to {$2000.00}. These are not the terms I had agreed to and they did not inform of such changes, I feel I was mislead and scammed, they completely changed the agreement and I 'm being told there is nothing I can do about it. Furthermore they say they are on tribal land so the laws do n't apply to them. The company is called Big Picture Loans.
I called my loan company Santander Consumer USA to discuss my loan. The next day they said my balance in good standing but they reported my account to the credit bureau. Next i told them i could make a payment of XXXX and then XXXX this week since i am a XXXX XXXX XXXX. The sales person on the phone agreed to it. After that day i get a letter in the mail with the intent that Santandar Consumer USA is going to repossess my vehicle this week if i don't come up with the balance due. I then told him the sales representatives that i will pay what we agreed on and the following people pay the monthly balance to get it done.
My phone number is on a Do Not Call Registry and this company keep calling me every week about a debt belonging to someone else. 

The company name is XXXX XXXX, A Debt Collector. The number they left on my answering machine is XXXX XXXX XXXX XXXX.
On Friday XX/XX/XXXX. Restaurant charges were taken from my available balance. There where no checks written on my account and nothing pending as of Monday Morning. On Monday evening the bank charges me 6 nsf fees all which had come out of my available balance on Friday. The representative stated this is because of a charge that posted on Monday for XXXX. The bank is constantly moving things around to charge additional overdraft fees when the money has come out of my available balance. The only thing I use is a debit card so I am unsure as to how is this possible if it is already taken from my account. My account went from -XXXX to being negative over XXXX dollars. They picked and. Choose which accounts to charge a fee. I would think all of the restaurants and shopping stores after XX/XX/XXXX would have a charge as well.
I was denied being added on to my company 's checking account. My Chex Qualifile report says I have an unpaid closure, but gives no information as to who that bank account was with, the amount owed, or any other information that would allow me to investigate the issue.
XX/XX/XXXX: Title search was performed on subject property address under agreement to be sold. Closing was tentative foXX/XX/XXXX Title search conducted by XXXX XXXX XXXX XXXX Title Examinations. Title report showed issue with title. An improper discharge filed in Book XXXX, Page XXXX ; release should have been signed/issued by XXXX XXXX, as assigned in Book XXXX, Page XXXX.XX/XX/XXXX: Seller 's attorney contacted Ocwen/XXXX XXXX. No update provided.
XX/XX/XXXX : Still no update provided by Ocwen on discharge. Resulted in extension for time performance and further delay of closing dateXX/XX/XXXX : Ocwen prepared discharge of mortgage requested ; however, it was improperly prepared and still inadequate to clear title issue. Title examiner requested proper change.XX/XX/XXXX : Ocwen contact stated discharge would be recorded to Registry of Deeds. Never recorded.XX/XX/XXXX : Still no update or filing from Ocwen. Closing has been delayed nearly one month.
Delay is causing hardship on buyer.
XXXX/XXXX/15 : XXXX $ of unauthorized ATM withdrawals were made in NJ supposedly using my card. I have never been to the said location and could not have been there at the time of withdrawals ( XXXX ) because I finish work in XXXX , NY at XXXX. 
XXXX/XXXX/15 : I find out my account is depleted and call Citi Bank. They set up an investigation as well as issuing me a new card, and I also change my pin. 
XXXX/XXXX/15 : I file a police report and call Citi Bank again. They decline the claim. 
XXXX/XXXX/15 : I re-submit the claim from a Citi Bank local branch, and the agent sends documents proving that I could not possibly have done the said transactions. 
XXXX/XXXX/15 : Citi Bank decline the claim again.
Good Morning, I filled a dispute on a XXXX transactions to XXXX on my Credit Card and they have choose to close the case saying its more then 6 months. The transaction happened on XXXX/XXXX/16 and was posted to my account on XXXX/XXXX/16. This is for Car Transmission that I got repaired from XXXX and got XXXX year Warranty or XXXX Miles which ever comes first. Its now 6 months and couple of days and only XXXX miles driven and My car transmission again went completely bad on XXXX/XXXX/16 and I made several calls and even visited the XXXX and found out they have closed the business and some other workshop has taken over. I have all proof of all receipts, calls made and photo of the new workshop that has taken over. it has cost me {$3200.00} and over this is truly fraud my car transmission was not made properly and valve body was not replaced with a new one. I have to pay again {$3200.00} to get it repaired. Please I need justice. 
Attached is the XXXX mail I send out to XXXX and they have chosen to close the case saying its more then 6 months. I have filled XXXX more disputes with credit cards that I have used to pay {$3200.00} to XXXX to cover the cost and they are investigating. one of the credit card company has already refunded my money. but XXXX is hard to work with.
Went to free anual credit report site. Got my XXXX and XXXX reports. However Experian gave me a response that they already gave me my report. I have attempted to contact Experian by phone and internet to no avail. All options are automated and they ALL want me to input a valid credit card and agree to be charged. Anything else either links me back to the freecredit report site just hangs up on me after telling me to go to the free report site. This same thing happened last year. Then I was able to get ahold of a live person and get this resolved. Not so this year, so they are in violation of the Fair Credit Reporting Act and I wish to file a complaint.
When I called the bank, someone said they were XXXX XXXX and this was a auto loan inquiry. I said I had bought a car in over four years and was not looking for a car. I got rerouted to a number that was not available. XXXX/XXXX/2016 XXXX has requested a copy of your Credit Report Hide Details Business : Phone : Inquiry Date : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX/XXXX/2016Reported By : Experian
XXXX and XXXX continues to ignore my CFPB complaint requests for a copy of the certified mail letter receipt from XX/XX/XXXX and XX/XX/XXXX, that shows I signed with my signature their debt letter for the amount allegedly owed. I HAVE NEVER received any correspondence from XXXX and XXXX and was never given the opportunity to dispute the debt within 30 days, which is my right under the FDCPA. Also, I HAVE NEVER received a phone call from XXXX and XXXX, and no messages were ever left on my phone, if they actually did call me. I dispute the debt, because I do not owe the amount of money allegedly owed. I have never been sent a copy of the credit card agreement or a copy of the contract with my signature specifically on them. I have never been sent a copy of the monthly statements that I actually bought items from XXXX XXXX XXXX and I have never been sent a proof of bill of sale from XXXX and XXXX, that specifically shows the exact amount owed. I continue to be harassed by XXXX and XXXX and do not want them communicating with me. I sent the package back to XXXX and XXXX because they continue to cause intentional infliction of emotional distress. I am a XXXX XXXX veteran and do not work. I have XXXX from the XXXX and their continued harassment of me is causing me to go to see my doctor for XXXX XXXX and increased XXXX XXXX because of them. A copy of all correspondence and complaints with the CFPB are being sent along with another complaint to the PA Attorney General 's Office.
I bought a car in XX/XX/XXXX and paid on it until XX/XX/XXXX I bought it for {$12000.00} I owed {$900.00} on the car. The bank wanted me to just pay it off I got out of the XXXX  it got totaled I had full coverage XXXX  They would not cover it because it was hit and run under Tennessee law they do not have to cover it.

The bank is reporting that I owe 90 % of the sale like I never paid them and closed the account please get a full detail of when I started paying and how long I paid on the account they won't show This because they are wrong please delete this off my credit report this reporting in accurately
The company identifies itself as lien enforcement inc phone #  XXXX  They say I need to call them message in english and  XXXX  they call everyday buy i do not answer
Trans union is reporting a late payment for XX/XX/2017 on my XXXX XXXX account. I was not late I paid on XX/XX/2017. I have attached my payment receipt.
Cfpb I am making a complaint about XXXX XXXX and they also have another name XXXX    XXXX XXXX they are charging double interest which doesnt add up and is not agreed this is why I sent a dispute for inaccuracies it's not right under the fcra and violation of the statue of limitations. I will show proof as I upload documents. This must be removed due to fradulent increase of same amount and reporting inaccuracies of information. I also ask for proof of any promissory note and all original documents with my signature I have not recieved or gotten any proof of it.. I heard they have gotten Sued before because of this.. I am very unhappy about this situation and will do my best to proceed with litigation if theres no removal from this company I am ready bring it on I have all my documents to show in court if we have to take it that far my first step is to report to cfpb first before making any decision for litigation. 
Thanks cfpb
XX/XX/19 XXXX  at XXXX XXXX contacted a distant ex relative and discussed my account including who the debt was with ( XXXX  ) and told her it was a collection account. He tried to get information about me. XXXX   and XXXX XXXX have been notified by XXXX XXXX XXXX  via mail that they are working with my creditors and to contact them. They have ignored this information and given out personal account information to a unauthorized third party. He gave a phone number to contact of # XXXX ext XXXX.
This complaint is time sensitive to try to recover funds in 10-14 days that will reappear on the account. 

On XX/XX/2018 My employee fell victim to a phone scam. She followed their directions and went to XXXX, purchased an AMEX Serve card {$220.00} with my funds and provided the information to the caller Upon determining what had been done, I immediately filed a police report with XXXX Maine Police Department and contacted AMEX who provided me the merchant info for how the card was used at XXXX for {$220.00}. 

XXXX at XXXX was helpful and will return the transaction as fraud to the card in 10-14 days The transaction id of the fraud transaction was # XXXX AMEX SERVE is very disappointing. The did finally answer after hitting 0 # repeatedly as suggested by another AMEX department. They agreed to freeze the card for outgoing transactions but directed me to register the card. Unfortunately, in trying to register and providing all personal information including DOB, SS #, and mothers name..it continued to come back with Sorry an error occurred. I went on to repeat this process with 3 different representatives where they would unfreeze the card and it would say the same. The troubling thing is the call would go to a point then they would say hold on a moment and " we are sorry we are having technical issues with our phone system '' please try your call another time. It was very convenient how this message came up when they seem to chose. 

All that will happen now is the card will finish being registered by whoever the thief is and they card will be unfrozen and the funds gone again. AMEX will not give a new card or send the funds back to me as I requested. I am repeatedly told to register the card and the above., Resolution : I have the card in my possession, the receipt where purchased. I want my {$220.00} refunded to me at my mailing address. 
XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX
I have numerous accounts showing that I have late payments that have fallen under Sallie Mae all in and around XX/XX/XXXX through when the name change to Navinet XX/XX/XXXX. I have never had a late payment as the loans have been in a deferment. I have continued to dispute these errors on my credit reports and at one point even had a credit repair agency dispute these errors and yet these continue to remain on my report. I don't know what I need to do to have these items removed. Sallie Mae is listed 9 times 1. Sallie Mae opened XX/XX/XXXX, {$1300.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2. Sallie Mae opened XX/XX/XXXX, {$1000.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 3. Sallie Mae opened XX/XX/XXXX, {$3000.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 4. Sallie Mae opened XX/XX/XXXX, {$4500.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 5. Sallie Mae opened XX/XX/XXXX, {$1300.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 6. Sallie Mae opened XX/XX/XXXX, {$2000.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 7. Sallie Mae opened XX/XX/XXXX, {$1300.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 8. Sallie Mae opened XX/XX/XXXX - {$6600.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 9. Sallie Mae opened XX/XX/XXXX, $ XXXX- wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX /XXXX opened XX/XX/XXXX, {$5800.00} - wrong All my loans were consolidated in XX/XX/XXXX and were placed in deferment due to numerous surgeries and unemployment. All these had been documented and yet this company placed these accounts erroneously right before they switched names to Navinet and all of a sudden there are no late payments. This company should not have been allowed to ruin people 's credit based on their illegal practices. I need these to be taken off.
I attended XXXX XXXX XXXX College for 2 weeks and I dropped out back in 1988 due to XXXX. This school was under investigation for fraud. Cashing students checks that had withdrew. This is fraud. Over 30 years and it is still haunting me. Please review all documents. I submitted to XXXX XXXX XXXX twice. Please remove from my credit file. This is fraud and not my debt. I filed I'd theft affidavit. I pulled all records from us department of education records were falsified. They show me graduated and I never graduated from college. Please review and remove this inaccuracies from my credit file.
On XX/XX/XXXX I used XXXX XXXX XXXX XXXX XXXX as a moving company. After moving, the movers quoted me {$460.00} the moving services including a {$20.00} tip. I provided them a credit card which they authorized and then they proceeded to write a receipt showing {$0.00} balance due. Fast forward XX/XX/XXXX, I checked my credit report and found that Recovery One LLC has placed that debt on my credit report. I immediately contacted Recovery One LLC by phone and was told to submit the receipt via email. I called back and confirmed that the email with the receipt was received, but will not be honored. When inquired why, the collector became argumentative and verbally abusive and finally threatening that the debt will stay on credit report no matter what.
I bought a house on closing date  XXXX / XXXX / XXXX . On  XXXX   XXXX  I received a collection letter from the HOA itemizing amounts due related to the acquisition of my home. Amounts due are  : 1. Asso transfer fees {$200.00} 2. Adopt School Program {$400.00} At the time of the closing the title company presented a HOA Statement ( for  which I paid {$250.00} ) dated  XXXX   XXXX ,  XXXX . Such statement disclosed a transfer fee of {$170.00} and recurrent annual payment of {$810.00} for annual assessment and {$140.00} for bulk service. The  Asso Transfer fee and the Adopt School Program were not disclosed. As part of the closing process I settled the amounts disclosed in the received certificate. The Title company remitted the amount to HOA and the chec k was cashed in  XXXX / XXXX / XXXX .     After receiving the collection letter I contacted the  Tittle Company which provided both evidence of the check cashed and the copy of the certificate detailing the {$170.00} ( the fees related to this complaint were not disclosed ). The HOA initially stated that they can not explain why I was not notified before or why the certificate I paid for was not correct but that the amount was owed as stated in the Corporate Governance documents. After couple of calls and inquiries to HOA I opened a quality ticket. The HOA contacted me and send me a certificate disclosing all amounts due. When I sent over the certificate that I had they allegedly did some internal process and found out that the certificate I received was incorrect and that on the same day ( some minutes later ) they properly sent out another certificate to the Tittle Company.  Please note that apparently no additional due diligence was done on the side o  f the HOA to make sure the Tittle Company was considering the correct certificate.
Basically HOA is stating that I must pay the amounts and are clearly asking me what my intention is and that the amounts are owed as per the Governance papers. In the other hand, the Tittle company stated that they did their part collecting and remitted what was   requested as per the certificate. On  XXXX   XXXX ,  XXXX  I sent an email to  Tittle Company  requesting their action. A follow up email was sent on  XXXX   XXXX  and I visit their offices on  XXXX   XXXX  when the closing agent stated she will come back to me, she would request information from the  HOA and  she will verify with corporate if th e Apopt a Sch ool Should be considered a cost related to the transfer. She stated she will come back to me on  XXXX   XXXX . I followed up on  XXXX   XXXX  but not proper resolution or even an update has been provided as of today. Kindly refer to the attached email for more details about the related facts and my position regarding this matter. Im also including the documents I gathered from   both Tittle Insurance and HOA.
.     I kindly request your assistance o further review the underlying charges based on the below facts stated in the attached email and supported by the attached working papers.     Best regards,
I have sent a letter out to the agency on XX/XX/XXXX disputing a debt of {$1800.00} and with delivery confirmation, I knew they got it on XX/XX/XXXX. This letter requested the agency to send me all the information by law about the debt within 30 days. There was no response from the agency. On XX/XX/XXXX I had a letter sent out by my attorney regarding the issue.