WillisBack/dataset-financial-user-claim huggingface dataset:
National Credit Systems Inc has reported a collection account against my social security number and I never authorized the use of my personal information to this company nor have I ever received any services from this company. This business holds no legally binding contract with me that obligates me to pay for any sort of alleged debt. I disputed the accuracy of this account and they keep sending it back as verified. National credit systems has YET to send me any type of adequate proof that shows me agreeing to pay them. I filed a complaint with the Better Business Bureau and National credit systems responded that they were acting on behalf of another creditor, but 73 American Jurisprudence ( AmJur ) 2nd, Sect. 93 states " The right of subrogation does not exist for a stranger to the transaction. '' It 's illegal to act as a substitute to a contract that they were never apart of. National credit systems is in violation of the law, the FCRA, and the FDCPA. FDCPA Section 805 ( b ) says : COMMUNICATION WITH THIRD PARTIES. -- Except as provided in Section 804, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 
This inaccurate information was reported to the three major reporting bureaus without my consent. 
FCRA Section. 604 says : 604. Permissible purposes of consumer report a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 3 ) To a person which it has reason to believe ( F ) [ otherwise ] has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account. 
National credit systems has not been in any connection or listed on any contract signed by me and they refuse to properly validate this inaccurate information. Until a contract ( original contract ) is produced with my signature between national credit systems inc and myself, this information must be deleted.
Beginning on XX/XX/XXXX my wife started receiving calls from a debt collector looking for me. They left a voicemail that said that I was going to be served papers in an hour and that they will find me.

On XX/XX/XXXX the calls were repeated and stressed that if I did not call them it would count as a missed court appearance. They are calling all day threatening to serve me papers and being held in contempt of court if I don't communicate with them.

The calls have continued as of today XX/XX/XXXX with the same threats.
Called and submitted documents via fax and certified mail. I've asked how were these documents verified to be mine and reported correctly. The rep said it wad done electronically with short codes, and there is no such thing as a manually investigation, on top of that the representative wasn't even located in the USA. I'm not understanding how this could be, for one there are so many breaches and hack on the regular, and come to find out, someone outside the country whos not even a citizen has all of my personal information. I received a notice in 2017 from one the credit reporting agencies that all of my personal information that they had on me was exposed to XXXX knows how. I am not at the point of trying to seek legal assistance.
I leased a XXXX from a local dealer in XXXX, MA for a 42 month term. As the lease approached end date in XX/XX/XXXX, I was told by XXXX that an appraiser would visit and assess value of the vehicle. The appraiser came about 3 wks before end of the lease and took pictures of the car and looked all over it. He did not explain anything to me about the process. He explained that I would receive a closeout statement in a few weeks. 

I returned the vehicle to the XXXX dealer. The dealer had no idea how to receive the vehicle or what information to collect or share with me. The lease hold ( XXXX XXXX ) told me to return it to that XXXX dealer. Eventually the sales manager decided to give me a mileage statement and signed proof that he had taken the vehicle into his custody. I removed the license plates and left. 

A few weeks later, Chase contact me to tell me that damage ( scratches, ripped seat fabric, etc. ) had exceeded the {$1000.00} allowance and that I was obligated to pay for additional damage. More importantly, they told me that because I had returned with not-orginal tires on the vehicle I would being charged to restore the equivalent of the orginal tires. I explained that I put the tires on in winter ( the factory installed tires were useless in snow ), and that I left the summer tires ( original manufacturer installed ) in the back of the vehicle. Chase first told me they had no record of me leaving the tires in the vehicle. Later, they changed this story to say that the tires had insufficient tread. Either way, they want me to pay {$110.00} for each of the four tire. They said the vehicle has been sold and they have no record of what became of either set of tires. 

They keep telling me that the tires are listed in the lease agreement, but I do not believe that replacing the tires with BETTER tires AND returning the original tires ( dismounted ) should make me obligated to pay for new tires. As a side not, I drove the vehicle 10K less miles than my lease agreement ( a total of about 32K ), and since half of each of those years I have the original tires on the vehicle, they clearly would NOT have been worn down. 

I have indicated to Chase that I will pay the incidental charges for scratches in paint and upholstery damage ( totaling about {$240.00} ), but I refuse to pay them for the tires. They either have to release that charge OR return at least one set of the tires. Actually, they should return BOTH sets of tires if they want me to buy new ones. 

I am being taken advantage of and I wish that they would stop harassing me.
Recently I was involved in an auto accident ; a young driver attempted to cross a highway and caused an unavoidable collision. I was not at fault for this accident ; the other drive received a citation. My car was totaled, and along with the several cuts, bruises and shock, I also received a concussion. This concussion has made me quite foggy at times, slow to comprehend and process conversations, and has made it difficult to make decisions. I was out of work for a week and now have gone back with " light duty '' directions from my doctor. 
While trying to recover physically and emotionally from this accident I was forced to acquire another vehicle. After several days of online searches and in-person visits, I decided to purchase a 2013 Honda XXXX. I have always been a great fan and proponent of Honda cars, and I have almost always driven them. 
I was very glad to once again have a well-made, well-designed, reliable car and be able to put the auto shopping experience behind me. I could then re-focus my time and energy towards my XXXX recovery from the accident. 
Unfortunately, while in this concussion-recovery period, an extended warranty for {$2500.00} was erroneously purchased and included in my Honda financing. By the time I was introduced to the dealer 's finance staff that day, I was quite exhausted ; I had already been at the dealership for several hours. I certainly appreciated the 2.9 % APR but really was not making good decisions at that point. Within a few days I recognized the error and contacted the finance staff to rectify the situation and cancel the extended warranty. 
I was informed that the warranty could be cancelled but would not reduce my monthly payment or be taken off the balance due in the purchase agreement. The {$2500.00} XXXX would be subtracted at the end of my payment period. This would mean that my payments would end approximately ten months earlier at four years and two months, instead of the initial plan of five years of payments. 
I found this to be quite an irregular policy as I would then be paying interest and tax on an item I have no longer purchased ; an item I do not own! 
I do not want to pay tax and interest on an item that I do not own. 
If I return an item at the hardware store they would logically return the price of the item and the tax. If I did not purchase an item on a credit card, the credit card company would logically not charge me interest. 
Why am I being charged for an item I do not own? 
I am hoping that you may understand my perspective and logic, and be able to offer a solution.
This loan was open at Wells Fargo Bank without my consent and my signature and i did n't approved or apply for this loan, and Wells Fargo is saying that i open this loan and that the loan was been paid by me from my acct.
My XXXX  XXXX XXXX was involved in an accident that was not my fault. Toyota received a settlement check from my insurance company in XX/XX/2018. As of today they have not send the info needed to my gap insurance company. Apparently it is a copy of the check they received from the insurance company. I hired an attorney to help me resolve this issue and my attorney says they called Toyota several times in the past three weeks and Toyota says the hold up is an internal issue at Toyota and the check copy has not been uploaded. My attorney told them that this is negatively affecting me and Toyota just says they can't do anything about it. Their departments that upload paperwork are not located where they are so it's just tough luck and I have to wait. It's now been several weeks and we asked them for a timeline and Toyota just tells my attorney there is no timeline.
I paid off Nationstar mortgage    XXXX   XXXX     . The lien release has not been sent to    XXXX   XXXX   . I have called and emailed since  XXXX  Each person I spoke with stated the lien release would be filed in  5-7  business days. I spoke with  XXXX   XXXX  (   XXXX   ext  XXXX  ) and  XXXX   XXXX  (  XXXX  ). Both assured me that they would personally take care of the oversight and neither has done so. All I want is for  Nationstar  to send the release to    XXXX   XXXX
this was resolved with the hospital on XXXX/XXXX/XXXX. they retracted their letter to the collection agency and as of XXXX/XXXX/XXXX the collection agency contacted the credit bureau without approval from the hospital. the hospital said the collection agency had to wait 60 days & send notification to me before contacting the credit bureau. My XXXX score took a nose dive due to the aggressiveness of optimum outcomes inc out of XXXX il
we were advised our mortgage lender put us under forbearance due to hurricane disaster relief in Florida in XX/XX/XXXX for 2 months, and put payments on the end of loan. when it was time to pay, they extended again stating we can have more time since we were getting roof repaired and not to pay until XX/XX/XXXX XXXX in XX/XX/XXXXthey asked for paystubs since they were under impression myself or spouse job changed. we both have been employed in same job over 5 years. we did send stub what they asked for XX/XX/XXXX and current XX/XX/XXXX. we received a call XX/XX/XXXX, & XX/XX/XXXX collection call stating all of the funds were now due. Asked why, they stated forbearance was closed or denied due to lower income now than it was in XX/XX/XXXX. I stated that was impossible and why was this not questioned or asked prior to them closing it. They said we can apply for a loan modification and if cant afford it will sell the home in short sale. I advised we just purchased the home, and had no intentions of selling. we paid 2 months worth of the 6 months arrears over the phone, but are still in default because of their instructions or lack there of.
I am getting threatening calls from someone who claims to be associated to Ace Cash Express. They left me a voicemail from a blocked caller ID stating that they would be coming out to my home or place of business between XXXX and XXXX the following day and that they needed to leave me the voicemail for their safety. At that time, they did n't tell me who they were, they only left a phone number. The recording requested that my Supervisor be present. They left a phone number to contact XXXX. When I contact the phone number they implied that I would be facing charges for theft of services and check fraud. I was scared to death. However, I knew this is not legal practice in the state of Texas. I was also reading online that there is a scammer out there claiming to be associated to Ace Cash Express that is attempting to trick people into believing they are the debt collector and people give them money to prevent the harassment, only to find out the debt with the original debtor was never paid. I am concerned about this and I am pretty sure this is n't the end of their contact. I am concerned that the threats may become more aggressive or that they may actually show up on my doorstep as they have threatened and that would be terrifying. I just wanted to make others aware of these practices.
I keep getting unsolicited calls from a debt collection agency who claims to be located in XXXX tx named SANtander. They claim I have a XXXX XXXX and keep calling for XXXX XXXX or XXXX. I have told them my number is not asicaocatied with these people and to not call me anymore XXXX. It happened back in XX/XX/2018 I thought I wouldn't receive anymore calls then yesterday at XXXX I get voicemail asking for me to call her back XXXX ( XXXX ) XXXX she's there till XXXX. They want to run my credit card and only want a debit card and XXXX XXXX  is how the payment is applied. Last time they said they were the law and and used XXXX ( XXXX ) XXXX This number. I have registered my number w do not call list yet they keep violating the rules an think it's joke and it's illegal to solicit money in fraudent ways. They claim to be a debt collection agency
I applied for a {$500.00} payday loan online XXXX/XXXX/16. 
I later discovered that they are not licensed to do business in my State, which is Alabama. 
Nor do they meet the loan limits set by the State banking regulator, thus I feel this loan is illegal and prohibited in the State of Alabama.
XXXX- {$630.00} XXXX- {$340.00} BOTH of these are old debts that are trying to be pulled as new debts, that have been resolved. Plus I do n't even know how you would EVER EVEN get a cell phone bill as high as {$630.00}, that is what I can not also understand. 
Thank you for your time and consideration.
XX/XX/XXXX I sent XXXX XX/XX/XXXX I sent XXXX XX/XX/XXXX and XX/XX/XXXX I sent XX/XX/XXXX which is my mortgage. XX/XX/XXXX they sent me paperwork to catch up payment saying I hasnt paid at all. They have put my partial payments into an acct and not towards my mortgage. I contacted them to ask for paperwork to catch up. They sent it I filled it out had till XX/XX/XXXX to send all paperwork. Which I did XX/XX/XXXX per email. XX/XX/XXXX I recieved paperwork saying I was denied cause I didnt send it. I called and left message of when I did per email. To no avail. I have applied to vet organizations for help. And have left message letting them know I need a current amount after what I paid is taken off. They have given me nothing or those organizations. I have left message telling them to take my escrow money to put it towards payments. Or send it to me and I will do it. They are also still making us pay taxes even though we are exempt. They know this the county sends them stuff and I have every month with my payment since XX/XX/XXXX of last year. There is over 5000 in that escrow because of that.
On XXXX/XXXX/XXXX I submitted an initial dispute to XXXXn requesting an investigation be done on the following accounts. 
XXXX XXXX {$6600.00} XXXX XXXX {$5600.00} XXXXT XXXX {$5600.00} XXXX XXXX {$5500.00} XXXX XXXX {$5500.00} XXXX XXXX {$5500.00} XXXX XXXX {$5500.00} XXXX  XXXX {$5000.00} XXXX XXXX {$9600.00} XXXX XXXX XXXX XXXX {$7000.00} XXXX XXXX XXXX XXXX {$5500.00} On XXXX/XXXX/XXXX they sent a response that they would not re-investigate the account unless relevant information. I submitted another dispute letter on XXXX/XXXX/XXXX requesting their method of verification and on XXXX/XXXX/XXXX they submitted the same response refusing to re-investigate the account. The information that is reporting is inaccurate and they refuse to remove this inaccurate information from my report. I know they did not properly investigate these accounts yet they keep stating they did. They have not provided me with how they verified the account, who they spoke with, any documentation they have on file pertaining to these accounts. NOTHING. It is so frustrating that they refuse to properly do their jobs and are purposely disregarding the law. I have sent repeatable letters for them to re-verify the accounts as they are showing duplicated on my credit report as of XXXX/XXXX/XXXX. TransUnion keeps sending me that they have verified the information if they have verified the accounts would not still be showing on my account as duplicates.
In XX/XX/XXXX, I requested a " free '' credit report from Experian online and was asked to enter my credit card for a {$1.00} charge to have the report sent to me. In XXXX, I noticed that Experian had been charging my XXXX Visa since XX/XX/XXXX for some kind of membership that I did not request nor agree to. It costs {$21.00} per month and the total charges I have paid are {$130.00}. I have repeatedly attempted to cancel the membership and reverse the charges without success. I have requested that Experian refund all charges from XX/XX/XXXX to XX/XX/XXXX, but they have refused. It is still unclear to me whether this membership ( and associated charges ) is now cancelled. There are numerous other complaints similar to mine posted on-line and they number in the XXXX. The people affected by Experian 's practices probably number in the XXXX because of the likelihood that not everyone will post this problem on line. Experian 's customer service representative admitted he received numerous complaints just like mine, but does not make and can not change " policy '' for Experian. Please put a stop to this practice. It is rampant and a simple XXXX search for " Experian unauthorized charges '' will reveal how extensive this fraud is. Thank you
I have a paypal credit account, which used to be linked to my Paypal Account, that I use for my business. Unfortunately, several months ago, my credit account through paypal was canceled, because I was n't pulling up my statements from my email, but rather, was logging in directly through my paypal account. When I tried to reinstate my account, the customer service agent asked me verification questions, and in one of the questions, she referenced XXXX streets, which were cross streets at an address that I had lived at 12 years prior. Since I gave the wrong answer, I had to fax information to them. I have no access to a fax machine, and they would not accept an email. 

Since then, my paypal credit account has been canceled, and each month I have had no issues in paying the minimum payment, until now. Now, Paypal has rejected SEVERAL payments from me, which I have been trying to pay since the day before the due date. They will not accept money directly from my paypal account, nor will they accept money from my bank. I want this to be taken care of electronically, with the payment of {$25.00} taken from my paypal account, and put into my paypal credit account. No one can tell me what is going on, and it makes no sense that they are not allowing me the access to pay my bills on time, through their system.
On XXXX XXXX 2017, I signed up for ongoing credit monitoring services with Experian.coms XXXX XXXX product offering. <P/>On XXXX XXXX 2017, when I still had only basic user access, I sent in correspondence notifying Experian.com of a legal name change. This was separate/in addition to following the standard credit bureau disputes process given that the XXXX XXXX product is maintained independently. It is now 30 days later and after multiple calls with their customer service team and assurances that the change was previously processed, no change has yet been made to my customer account. I have now spoken with multiple customer service representatives going back to mid-XX/XX/XXXX, including two representatives on XXXX XXXX 2017 and two representatives today. Today also marks my third time sending faxed correspondence to Experian in regards to this matter, in addition to sending hard copies to their XXXX XXXX. <P/>Experian.com has made me jump through hoops to resolve what should be a simple update ; surely I am not the first customer they have had that has had their name changed. They cancelled my membership, made me sign up for a new account, and work with them over the phone to re-do the identity verification process, all to no avail. As of today, they are no longer able to access any data tied to my Social Security No., since by the representatives own confession, we must have XXXX something up. <P/>I have spent at least eight hours with them to update this information. I would have given up already if I didnt see so much value in their product. Experian.coms customer service representatives have consistently been easy to interact with and completely willing to help, but it seems they are misguided and being held back by the back office teams disorganization or lack of follow-up.
Capital One, has been told in XX/XX/2017 that I am filing bankruptcy. 
They were also told by my attorney. 

I keep getting calls as they put my accounts into collections. 

Every few months, XXXX calls me ( the collector ) And again, I tell them the same thing, along with my attorneys info they dont stop calling me
I was released from Chapter XXXX Bankruptcy on XXXX XXXX, 2016. Nationstar Mortgage Bankruptcy Dept. refuses to release two loans I have from their Dept. and start sending me statements. I have not received a statement in 5 years. I have called them 5 times, every time they say they will take care of it and here we are 5 months later nothing has happened. I have not received end of year interest statements either which I need for my income taxes.