WillisBack/dataset-financial-user-claim huggingface dataset:
Called my work and my wifes work. Saying they were going to send me a subpoena, If I did n't call them with in the hour. I called them and they are telling me they are issuing subpoena to me and my wife. They claim to have sent me paperwork on this three weeks ago, I received nothing. I asked them to send me the document again they claim to not have the document anymore. They offered me a payment plan of {$990.00} on time or a 5 time payment plan of {$330.00} or they would have to send me a subpoena today. I told them to have the local Sheriff deliver it to my home address. The gentlemen got upset and hung up on me. This dept is over 12 years old and this is a third party dept collector.
XX/XX/XXXX and XX/XX/XXXXCASE CLOSED ISSUE UNRESOLVED AND RESPONSE NOT ACCEPTED. I hired a company last XX/XX/XXXXto help and assist me with the mortgage modification process in order that it 's with in my monthly income requirements. The property and the home was WILL to me from my deceased Mothers estate. The property deed and the mortgage did have my name on it since my income was required for my Mother to refinance the mortgage. The company that I hired lastXX/XX/XXXX also informed me that there were issues with the mortgage documents saying it was XXXX, which I found out is against the laws in New York State to issue a XXXX loan. Unfortunately the modification that the company worked on for me with Ocwen Loan Servicing happened to be the worst modification that I have ever received in the 9 years of Ocwen. 2 law suits against Ocwen within the 9 years and no assistance They are absolutely the worst and with them reported managing over 104 million mortgages and having 9000 employees, that to me is a serious problem. In XX/XX/XXXX Ocwen threatened me with forclosure, threantened me with a phone call of a XXXX XXXX out of Texas stating that I need to contact him back about my home and property and that he worked for Ocwen Loan Servicing. Grant it I filled Chapter XXXX bankruptacy protection not because of the mortgage because I needed to get reorganized. After once again doing research I find out again the CFPB is once again sueing Ocwen Loan Servicing. After skimming through some of the documents regarding the law suit its the same issues that I have been going through over the past 9 years with this organization. I do n't know if I would call Ocwen an organization or a business, there just plain CORRUPT. The law suit is in fact true and the CFPB needs to take control. Attached are all the related documents including a screen image of the voice mail that I received and is still available on my phone.
Equifax has taken more than 40 days to conduct and conclude an investigation to a dispute on sent on XX/XX/2017. It is now XXXX and I have not received anything. They never sent me a copy of results nor did they updated their online credit monitoring which still says " pending. '' They have also deleted some inaccuracies but illegally reinserted those items without let me know within the 5 day timeframe set forth by the FCRA. Attached is a screen shot of the non updated dispute which shows that it is still " pending. '' And a letter to redispute the times that were never investigated.
I have explained numerous times that this BK reporting on only Experian for the last  XXXX  plus years is incorrect. I states I filed a BK for {$0.00}. I asked Experian how are they getting their info. They said they use a  3rd p arty source because BK Courts do not give this information out because of consumer privacy laws.     I want this BK removed from my Experian Credit Report because it is inaccurate and not to mention have harmed me from getting financing. Why is it that ONLY Experian is reporting this over the last 6 years. I am tired of talking with Customer Service overseas.      BK S tatus : Dismissed Date Filed/Reported :  XXXX /2011 this shows on my credit report Reference number :  XXXX  Closing Date :  XXXX / XXXX / 2011  Asset Amount : {$0.00} Court : US BKPT CT TN  XXXX
Trans Union had an " inquiry issue '' Trans union deleted XXXX inquiries from my trans union credit report. About a week later they replaced these items back on my report. They never sent me any letters or attempted to make contact with me to let me know they added items back on to my report..
A collection agency, for an amount I have no knowledge of and never had knowledge of, fraudulently inserted a derogatory notation in an attempt to extort money. I called the underlying entity the collection agency claimed the debt to be from and they have no knowledge of debt in my name. At any rate, I was never notified of a debt nor was I ever given a chance to review it - which is a requirement of law. The actions by the collection agency are extremely illegal. 

The collection agency must remove any derogatory information from my file, otherwise I will sue them in federal court.
We were making payments as agreed  with GM Financial on our account for the balance left on our vehicle that was a voluntary repossession . They wanted to raise our payments & provide additional credit towards our balance. They also offered a settlement option  XXXX   2016 . Based on the information they provided at the time, I agreed to the settlement. I am attaching supporting documentation for the {$9000.00} settlement. I took the amount out of my pension account & considered the debt weighed more than the the tax penalty. In  XXXX   2016  we received the settled in full letter. In addition without ever notifying me through this process, we received a  XXXX  for {$8000.00}. This was double impact to our taxes. I called  XXXX  & inquired as to why we were sent the  XXXX  & was advised that IRS required it to be sent out end of story. They failed to disclose this detail when they offered the settlement. I would have never proceeded with the settlement offer & would have worked out an acceptable revised payment plan. I am now faced with tax penalty on my retirement & additional taxable income based on the  XXXX . This was very negligible on their part & I hope you are able to assist with reversing the  XXXX  due to non disclosure. Thank you
First of all, I have no idea if this is real or a scam. I have no recollection or awareness of the debt they are claiming I owe ( they are saying I have a debt to Wells Fargo attached to a bank account from 2004 ), but if it is a real debt that somehow I forgot about or didn't know about, their tactics are completely inappropriate and probably illegal. 

I received a voicemail on my work phone saying I was being sued and was going to be served with documents the next day if I didn't call back. Asked me to call XXXX and provided a case number ( XXXX ). The voicemail said the person was named XXXX XXXX calling from " The XXXX XXXX XXXX '' but no other company name or anything was given. 

I called back, and someone answered the phone " corporate office, '' and I asked " what is this the corporate office for? '' and she said " I answer the phone for 8 different law firms, whats your case number? '' So I gave it to her and she connected me to a woman who said her name is XXXX XXXX and she's with a law firm called XXXX XXXX XXXX and I'm being sued by Wells Fargo for {$3300.00} for an unpaid debt from 2004 for {$1100.00}. She said I have to pay immediately or they're going to repossess my car and garnish my wages. I asked what my car has to do with this and she said they want their money so they'll seize assets if they have to. 

I told her I have no idea what this debt is and why is this the first time I'm hearing any of this, and why doesn't it appear anywhere on my credit report? She said because it's not a credit card, it's a bank account debt and those don't show up on credit reports, but if I don't pay this money my credit will be ruined. I think she said it had to be paid in 10 days. 

I asked if I can dispute it and she said yes but the only way to dispute it is to go to court and then I have to pay all the legal fees. 

She said maybe she could get it down to 50 % and I said ok but I'm not paying anything until I see some documentation. She said ok and that she would email it to me, so I gave her my email address. 

I never received an email, but roughly 24 hours later I received another voicemail from her ( this time calling from XXXX ) asking me to call her back.
I signed up at XXXX XXXX for a credit card processing machine. The sales person told me I could try it out and see how it worked for me. I returned the machine to him 2 weeks later stating it was too bulky and the monthly fees were too high for the amount I processed. He took back the machine within the 30 days and I was under the impression this was closed and done. I went to check my credit and see a charge for $ XXXX from First Data and when I called to dispute they said he never closed the account or ended the contract.
For all three credit bureaus, my 8 active loans with Dept of Ed/Navient are reporting as 90 days late for the month of XX/XX/2018. Previously, the accounts were showing as late for XXXX, XXXX as well, however the bureaus received receipt of my deferment and updates the information. The inaccuracy is that my deferment has been effective since XX/XX/2018, therefore no single account should have any late payment history as no payments are due when the account is in deferment. When contacting the credit bureaus, the response I get is that Navient has to update the information. When contacting Navient, I am told that the bureaus can see the date effective on the deferment and should update my reports accordingly.
I am a victim of identity theft. I tried to negotiate this matter with XXXX XXXX and couldnt get a good english speaking agent to assist me. Ive spoke to collector in which this account was sold and they assured me the deletion upon payment from all parties in XX/XX/2017 however still harassed by XXXX XXXX legal team to make payments months later although payments was made in full in XX/XX/2017. XXXX XXXX is very disorganized and harmed my credit and failed to understand my situation with identity theft. my personal information was used to open an accounts as well as gain employment with Companies. after learning my rights under the Federal Trade Commission. Although Ive paid balance owed under my name I did not authorize the opening and charges on this accounts, and I therefore request that it be delete This account immediately. I also request that XXXX XXXX absolve the account, and that you take all appropriate steps to remove information about this account from my credit files. 
Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. 
The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 
Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. also a Identity theft Notice was placed on all 3 credit reporting agencies. just trying in the best way to get my financial life in order again. this is not a duplicate there are 2 accounts visa and master card same situation.
Auto finance company repossessed vehicle. Vehicle was not damaged before repossession. Vehicle had significant damage after repossession. Auto finance company submitted a claim on my insurance for damage caused by towing company. I have pictures from a few days before the repossession. Towing company also stole cash from Me. Bank filed false insurance claim and I believe that should be illegal.
I became XXXX by illness XX/XX/XXXX. All my reserves were spent on medical costs. Missed a payment on my mortgage XX/XX/XXXX. Rec 'd notice of intent to foreclose from Countrywide XX/XX/XXXX. Vacated the house, in anticipation of foreclosure. Filed bankruptcy XX/XX/XXXX, discharged XX/XX/XXXX. Bank of America completely disregarded the bankruptcy and continued to try to persuade me to pay the mortgage, until XX/XX/XXXX, when they sold the mortgage to XXXX. XXXX continued to send me statements on a nonexistent mortgage. Both companies applied homeowners insurance to the property and told me I was responsible for that debt, too. Bank of America went so far as to put retroactive homeowners insurance debt on the property, dating back to at least a year before I stopped paying the insurance myself ; also dated before the bankruptcy by 4 months. They applied an {$11000.00} lien onto the mortgage, as well. I contacted the Comptroller of the Currency with my complaint with complete detail and, after many months was told that I still needed to pay Bank of America, regardless of the bankruptcy. This week I received a letter from something called XXXX XXXX XXXX, which claims to be working for XXXX. It appears they are starting the whole process of trying to collect on a loan that does n't exist. I am still XXXX and unable to work. Every month is a struggle to make the Social Security XXXX, now Social Security due to my age, last more than a few days into the month. These banks need to leave me alone. Bank of America should never have sold this nonexistent mortgage. I communicated all of this information to Bank of America, countless times, and then, to XXXX. Every time I receive a communication from these people, I am reminded of everything I 've lost due to my illness. The grief is unending. I do n't need to be harassed by banks that must have real business to attend to.
My XXXX charge card was apparently 60 days late it was reported to all 3 credit reporting agency 's as delinquient which in turn caused my credi score to go down significafantly. I contacted XXXX department store and made payment arrangements to bring the account current. I explained that XXXX would ask for a payment for 2 months in advance. I usually just pay all my credit cards once every month. I explained to the rep that I do not like to make 2 months payment in advance as this is causing me confusion being I am under the impression I am paid for the next 2 months. However I was told on sunday X/XX/2017 that I was given wrong information. I made 3 payment arrangements to bring the account current. I was concerned about my credit reports showing this account as delinquent. The rep put me on hold and spoke to a supervisor and was told to dispute the delinquent charges being I made the arrangements and XXXX will respond to remove the delinquient remarks and put my account as showing as paid as agreed. I disputed this account online just now with experian but was not able to dispute it online with XXXX  and XXXX as they say there system is down. I am submitting this complaint because I was given wrong information which in turn caused me to have my account go late when I was under the impression I was current. I am writing in hopes XXXX will hold to there word and remove the negative comments from all 3 credit reporting agency 's because it caused my score to drop by 35 points.
XX/XX/2016, hard inquiry listed on credit report without knowledge ( Chase Auto )  XX/XX/2016, hard inquiry listed on credit report without knowledge ( XXXX XXXX ) XX/XX/2016, hard inquiry listed on credit report without knowledge ( XXXX XXXX ) I checked my credit report and did not give my permission for hard inquires from any of these companies
Capital One closed my credit account arbitrarily and without notice in XX/XX/2018. I never received a letter and was never sent an email giving me notice that my account would be closed. This was my oldest credit account, and as a result of the closing, my average credit age has suffered and my credit score has decreased significanty. This has directly monetary impact to me due to interest rates.
I had a XXXX account that went to collections approximately 4 years ago which was included in a Chapter XXXX Bankruptcy that was subsequently discharged. I had my credit run the other day and noticed the prior collection agency " Sold '' my account to " Convergent Outsourcing ''. This company reported the discharged debt as a " NEW COLLECTION ''. I was NEVER notified regarding the debt either. I happen to have my credit checked and discovered this disturbing reporting. I know that it is illegal for a Collection agency to report to credit bureaus as a " NEW '' debt. I also checked the report at the recent inquiries and their information was NOT there either! 
I am requesting this be completely removed from ALL XXXX of the credit bureaus. This is a violation of my rights and violates the FCRA as well, not to mention this has affected my personal credit in a negative way.
I cancelled my XXXX service on XXXX XXXX, 2015. I was told by the representative that my final balance was XXXX. XXXX never sent me any bill or demand. Instead, on XXXX XXXX, I received a collection letter from XXXX, a collection company. I filed a complaint with the Bureau of XXXX Financial Protection, and XXXX ceased working on my account XXXX Case number : XXXX ]. Subsequently, on XXXX XXXX, 2015, I received a new collection letter from a different company : Robinson, Reagan and Young, P.L.L.C. Since I have never received any bill or request from XXXX, and since they referred my account to collection agencies after telling me I had a XXXX balance when I cancelled, I am filing this complaint.
XXXX XXXX billed me almost {$14000.00} without ever sending me one statement regarding what I owed them and why. They turned the alleged debt over to a debt collection agency who never communicated with me regarding what was allegedly owed and why. I discoverered this while reviewing my credit reports. I never received any correspondence from XXXX XXXX of the collection agency. I was never given an opportunity to mutually agree on a plan before it was turned over to collections and reported to major consumer credit reporting agencies.
accepted 0 % balance Xfr promo APR for 18mo w/Capital One. wrote check for entire balance, yet Capital One approved it. Per policy, check and fee should not exceed available credit ; which means Capital one should have rejected payment and contacted me ; at which point I would have written for a value they determined. As a result, they reported over the limit status to credit bureaus and credit scores dropped over 30 points. Although I erred, this is predatory. If I attempt to charge over my credit limit with my card, it is immediately rejected as a safe keep. How is it that this check had to go through processing, possible Credit Analysis and funding and they completely omit their own policy. This transfer should have not been approved. I have paid my balances down each month with no transactions, only interest applied. I take my credit very seriously and was aiming to be in the 700s soon. I have never opted in to allowing capital one or any financial institution to go over my credit limit. I have contacted them to correct this, they of course will not admit they erred. Please assist in getting my these negative items removed from my bureaus. Thank you.
In XXXX XXXX our mortgage was transferred to this company from XXXX We went 4 months without receiving a statement. The loan was paid off. XXXX incorrectly reported to the credit bureaus that the loan was over 120 days late over {$1.00}. We have repeatedly contacted XXXX and they agreed to remove all aspects of any reporting to any credit bureau. As of todays date, XXXX and XXXX are still reporting this account. We simply want it removed. 

XXXX agreed to remove this. See attached letter. Yet it has not happened.
I enrolled in XXXX online XX/XX/XXXX I believe. I have been in school since XX/XX/XXXX till XX/XX/XXXX and I started school again in XX/XX/XXXX to present. I understand that I have a loan however, I have tried to communicate on several different times and have been unsuccessful. In the past years I was not able to pay the full cost of the loan being that I had an emergency medical situation in XX/XX/XXXX to present in which I have been managing. What I notice is that the contact company of the loan keeps changing or being bought from agencies to agencies. I notice that his information has been damaging my credit report and its a red flag. How can a person be able to acquire the resources to make payment when its damaging their credit and also increasing their interest on a monthly basis. Why continue charging a person a high interest rate on a loan where as the person is financially strap and no other option was available? I remember speaking to a customer representative concerning a student loan and my payment was 60 something dollars and I could not afford the 60 plus dollars and asked if I can make partial payments and I was told I would still be charge the interest even if I make the partial payments. So it was a loose situation. keeping in mind that due to my financial being and at the time not working I asked the questions and it made no sense to me why their weren't other options. Is there any other alternative to making an affordable payment? This amount I cant afford to make pay in full, but I would appreciate if it is remove as a negative on my credit report because the loan keep on changing hands plus its preventing me form getting help to do such. If I am in school what happens to that loan can it be put on deferment or another arrangement can be made? The information I got I couldn't access the information, so I am at a stand still.
Discover Card has acknowledged that accounts ending in XXXX and XXXX were closed due to identity theft XXXX FRAUD XXXX, but had continue to charge me for XXXX purchases XXXX ( {$600.00}, {$1400.00}, {$3800.00} XXXX. Although I told them these were non receipt items, they insisted it was fraud and treated it with the Fraud Department. It should have remained in disputes. Regardless, the disputes exceeded the allowance of 45 days which then should become permanent. However you will see it took them several months with the investigation and there was no correspondence between the initial credit until they decided ( WITHOUT PROVIDING EVIDENCE ) that these transactions were valid.
Afni, continues to write me about a debt that I have no knowledge of. They also have not sent me any validation of this debt as follows : 1. Provide a CERTIFIED copy of Authorization signed by me, naming your company as having my consent to furnish, update, verify, inquiries, add comments and/or dispute codes of any access to my personal credit report/file. 
2. Provide a Certified copy of my full chain of assignment starting with the original creditor to any and every 3rd party collection company to present. 
3. Provide a full accounting. Every charge, every payment, every fee, interest, credit, and any other amount attributed to the alleged account, and the date on which each event occurred, as well as a description of each event or purchase causing an amount to allegedly be owed. 

In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports you 've furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX and XXXX for code of ethics violations.