WillisBack/dataset-financial-user-claim huggingface dataset:
It 's been an ongoing issue with Carter-Young, the employees are very rude, unprofessional, and dishonest. The owner XXXX XXXX, has refused to send me requested documentations to settle an XXXX XXXX XXXX debt. I 've requested to have this debt removed off of my credit report, because the owner refused to send me a letter stating that he would have it removed off of my credit after paying. I 've disputed this debt and they are not removing it. This debt is now XXXX XXXX XXXX and past the date to have it removed off of my credit and they are still refusing to have it removed, which is breaking collection codes, and it 's causing me stress, and hurting my credit score. I am in the process of hiring an attorney to handle this if I ca n't get it resolved.
I had a checking and a savings account with SunTrust Bank, On one occasion I had received a check for {$2500.00} in the mail that was deposited and placed on hold by the bank as standard procedure. While the check was on hold no debits were paid out on the deposited amount and no ATM withdrawals were attempted or processed. During the hold process over several days, the bank sent a letter stating that they could not verify the funds with the bank listed on the check and the deposit would not be credited to the account. At that point I assumed that was the end of the issue and that I would just need to subtract the amount of the proposed deposit and pay the {$15.00} dollar handling fee and later contact the business that sent the check for restitution. What took place unfortunately was Suntrust Bank went ahead and added a number of additional charges, closed my account and sent a report to XXXX ... ..stating that the account was closed due to Fraud in XXXX 2014. Since that time I have contacted XXXX. to dispute the case and in the process Suntrust Bank does not provide any new information to help resolve the issue, they only send the a verification that a report was submitted under my information back as a response to the dispute when filed through XXXX When I contact SunTrust customer service at XXXX XXXX XXXX XXXX XXXX I 'm repeatedly told by representatives that take the call that since the account has been closed more than thirty days, they can not provide any account numbers, account information or even a number or link to a department within SunTrust bank that could help me. At this point I have no way to effectively dispute or obtain closure to the issue XXXX
Not applied for a credit card was not in town when arrived, can not get on due to questions about mortgage etc. are none of above
On XX/XX/2018, I called Capital One to get the payoff on my GM Credit card ending in XXXX. 
I pay via their on-line system same day, total {$5500.00}. 
Approximately 30 days later, I received a bill for {$91.00}.?. I called Capital One twice and ask to speak with a manager because they said it was an interest charge and it was not included in the payoff they provided to me. They would not waive even though I was quoted a different amount for payoff. I was advised interest would not be charged on interest, but that isnt correct either. New bill reflects XXXX. I filed a claim with Attorney General and they said I need to file on this website.
I received a collection letter from Linebarger Goggan Blair & Sampson, LLP over two unpaid tolls amounting to {$10.00}. The collection notice also added {$50.00} in fees. The tolls were incurred over a year ago. I made multiple efforts to pay the tolls around the time that they were incurred, however I was told multiple times that there was no record of the money owed so I could not pay. I sent a letter via both postal mail and fax explaining my previous efforts to pay, and I enclosed the full amount demanded in order to evidence my good faith effort to pay the debt. By not allowing me to pay the debt, and then subsequently sending a demand letter which includes fees and other charges, this firm is engaging in an unfair and deceptive trade practice. After I sent the letter to the firm, they made no effort to investigate this matter or contact me to resolve this in any way. The letter is dated XXXX XXXX, XXXX and the checks were cashed on XXXX XXXX, XXXX. 

Additionally, this firm is violating the FDCPA by sending letters that would confuse the least sophisticated consumer. The letter clearly states that no lawyer has reviewed the account or made a determination as to the legal status. However, the letter also cites the statute which provides for payment of tolls, and then straightforwardly concludes that I owe this money as a result. It is plainly misleading to state that no attorney has made a determination yet state a legal conclusion.
XXXX  is reporting misleading credit information information about me to  XXXX . My Lease was closed in  XXXX , and as of today 's date  XXXX  is still reporting negative information on my credit report dating to  XXXX .
I was volunteering overseas for several months, when I came back to the states I found that my account was past due. I contacted Sallie Mae inquiring about my repayment options, informing them that I 'm unemployed but trying to find money from relatives to help pay it off. I was also trying to help get access to my account online but they kept insisting that I have to talk to them and would n't help me access my account on the website so I could see my account information. As of this writing the representatives from Sallie Mae have told them there is no way to settle my account, and they did not help me get access to my account on the website. I feel as if they 're preventing me from accessing the information I need to make the best decision for paying my account off.
Hello my name Is XXXX XXXX XXXX, I went to request a loan to buy a house, I contact a office in XXXX XXXX Oregon called XXXX XXXX, when they run my credit report appear a debt under my report, house loan with Chase MTG for the amount of {$98000.00} since XX/XX/XXXX with late payments till XX/XX/XXXX for the amount of {$880.00} for the last 2 years payments have made on time and I would like to know who request this debt under my name using my information. Please fell free to contact me at any time at this number XXXX
I was a victim of a fake Cashiers Check scam. My bank ( Fifth Third ) failed to identify a fraudulent cashiers check I was given by a potential car buyer from craigslist. I cashed the check and recevied {$2400.00}. I started sending money back to the buyer when the sale fell through and sent {$700.00} to his " moving company '' ( XXXX to XXXX transfer XXXX to XXXX XXXX XXXX in XXXX georgia ) and I sent {$900.00} via XXXX to his XXXX XXXX  XXXX account assocaited with his email ( XXXX, routing # XXXX, account # XXXX ). Yesterday the check was flagged as a fruad and {$2400.00} was taken out of my Fifth Third account, leaving me out XXXX to this scammer. I talked to representatives of both Fifth Third ( my bank ) and XXXX  XXXX XXXX ( the scammers bank ) but I have been unable to get any money back from being defrauded and neither has been able to help me report this crime.
i had an credit card account with chase bank, a ink business card. The account was open for about a year ( opened about XX/XX/XXXX ) i used it for business making purchases and paying them in time the account was in perfect standing never a late or returned payment never sold the point or did anything that was against there term and conditions and then on around XXXX XXXX  2018 i logged on to my account and i saw that they have closed my account i called up and was told they have decided to close my account based on a back office decision all my requests for them to reveal the reason were not returned
I received a letter from Equifax regarding a new address on my credit file which differs from the information they have. I called the phone number provided to inquire and provided name, address, SSN, DOB, and was asked to provide additional information. I then provided credit card information such as issuing bank, last statement balance. Then I was asked to provide previous addresses, employer and previous employers and was still told that I could not receive my free credit report, even though I asked that it be mailed to my home address. The issue here is that Equifax sent me the letter about an address change. I have lived at the same address for 40 years. The address they had on file is my work address. How did they get that information and why do they have incorrect information in my file. I can not even get a copy so I can dispute the information. I filled out the information in their online credit report request site, but received the message that the report could not be downloaded at this time. Equifax refused to give me my free annual credit report as required by law. They would not mail it to my home and it was not available for download.
I was sent a paper from Messerli & Kramer XXXX XXXX. 
In it had a statement that if I had signed it would keep me from ever suing them no matter what anyone in their company did to me or their future children may do to me. It was a disclaimer so I could never sue them for any reason. I could not sign it. I have a paper copy. I do owe a debt I wish I could pay. I was sent a judgement from the court. I do not have a job so I can not pay this, but this new paperwork ... It 's something that was clearly illegal. I looked their name up online and their are quite a few court cases in which they are the defendant. People are suing them frequently. I can see why they would want to send me this. I normally do not sue people or organizations. I believe in ethics and morals. I do n't believe in this type of behavior. 
Thank you for looking into this. Some people just do not read the entire document. They could do anything to them. That would be horrible. I do n't want anyone to be hurt by them. Please look into this. Thank you again.
Someone keeps trying to get a XXXX card in my name. The company wrote me, and told me that who ever was trying didn't have all the information. Therefore they denied the application, but I have a lot of hard inquiries because of it. From checking my credit report, this has been going on since XX/XX/XXXX. I only applied once, and have the XXXX card. I applied in XX/XX/XXXX. I want to take all those hard inquiries off my report because they are fraudulent.
I found this debt collector on my credit reports through a credit monitoring service I recently signed up for. They just reported an account in the amount of {$52.00} in XXXX as well as an older account, neither of which I have received any information about or had any prior knowledge of. The new reporting is particularly a problem due to the fact that I disputed the older XXXX through the bureau in XXXX and then this new XXXX pops up on my report as well, even though they presumably had means/info to contact me especially about any new debt to come up after a dispute for an old XXXX, but failed to do so. The first I 'm hearing of this is when I see it on my credit report. I do not know what it is, nor has it been validated for me nor have I been given the chance to request validation. If they would have contacted me the right way, they would have been paid, thus keeping it off my credit report. The CR says open date of XXXX and report date of XXXX, so when between that time have they bothered to contact me? Seems like they just started reporting quickly in hopes that I would discover it and be shocked into paying it versus going about it the right way.
First Franklin Financial Corp has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit  reporting bureaus.
Refused a payment so I could get caught up on one payment. They said they already sent out two letters of intent to foreclose ???? Why would that be if only late 1 month now all sudden 3. Never received said letters or notifications. This morgage sold by XXXX last year and already increased morgage due to increased escrow but my ins company denies any increase. Also delays in check processing on their end givescynfair late fees. They want 3 months morgage totaling over 3000.00 in 3 weeks
This letter is to inform you that Experian has failed to respond to my inquiry dispute letter that I sent certified mail on XXXX XXXX, XXXX. As a consumer, I have rights under the FCRA and Federal Law mandates that I receive a response to my dispute letter within 30 days of receipt of my dispute letter. According to the USPS, Experian received my dispute letter on XXXX XXXX, XXXX. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
On my file disclosure and shows that open two bank accounts one with Wells Fargo opened it on XX/XX/2012 yet i was incarcerated at the time how could i have opened it
Visited XXXX XXXX XXXX in XXXX and updated address on patient form. XXXX was sent to address from XXXX year prior and I never received correspondence. No calls were received. 
On XXXX, the collection showed on my credit report so I immediately investigated and called XXXX and paid the balance owed of {$150.00}. I was told at that time the collection would be removed from my account due to circumstances. 
The collection is still showing on my account as a {$0.00} balance and the derogatory remark remains. 
I called the accounting team at XXXX and was advised they would not be removing the collection remark from my account as I " should have known '' there was an outstanding invoice. This is their billing error due to the fact they did not update my address with corrected/new information.
The derogatory marks on my credit report is blemishing my credit report which prevents me from obtaining the credit that I deserve. I have made several attempts to resolve this issue by asking XXXX, XXXX, and XXXX  to remove late and missed payments.. The only responses were from auto generated letters stating that the accounts are valid. Under The laws of FCRA I have the right to dispute the validity of these accounts and proof from the credit bureaus must be given upon request.
XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Iowa XXXX, IA XXXX XXXX XXXX XXXX Box XXXX XXXX, PA XXXX To Whom it May Concern, I recently pulled a copy of my credit report and noticed the following information is in error : Address Errors : XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Phone Errors : XXXX XXXX XXXX XXXX XXXX XXXX Name Errors : XXXX XXXX XXXX My correct social security number is XXXX. With the amount of identity theft going on, I am very fearful that some could mistakenly identify me as someone else with this incorrect information on my credit report. 

Sincerely, XXXX XXXX XXXX
I would avoid u sing Ally. Their return policy is deficient, my vehicle sat on the dealers lot for 4 days before someone inspected it. In that time damage appeared and now I am held responsible for the damage. The inspection should be  done while the owner is present, like most other leasing companies do.
I have two loans with XXXX and the mortgage service provider is refusing to provide payment history for both loans. I have called 7 times and requested payment history and the company will not send it to me. Also I found a mistake in my escrow account and requested that mortgage service provider perform a new escrow analysis and it has been more than a month and nothing has been done. The service provider is PHH Mortgage Services located at XXXX XXXX  XXXX XXXX XXXX NJ XXXX.
XXXX XXXX, 2016 XXXX XXXX XXXX XXXX. 
XXXX XXXX TX XXXX XXXX XXXX XXXX SC XXXX XXXX : PARTIAL ACCOUNT NUMBER : XXXX .... 

To whom it may concern : This letter is being sent to you in response to the above reference account that WORLD FINANCE CORP has reported and listed on all XXXX major credit reporting agencies ( XXXX, XXXX, and XXXX XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and Validation is requested. 
This is not a request for " Verification '' or proof of my mailing address, but a request for " VALIDATION '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for- HAS NOT BEEN PROVIDED WITHIN THE 30 DAY TIME FRAME ALLOWED BY LAW. 
Explain and show me how you calculated what you say I owe- HAS NOT BEEN PROVIDED WITHIN THE 30 DAY TIME FRAME ALLOWED BY LAW. 
Provide me with copies of any documents that show I agreed to pay what you say I owe- HAS NOT BEEN PROVIDED WITHIN THE 30 DAY TIME FRAME ALLOWED BY LAW. 
Identify the original creditor- HAS NOT BEEN PROVIDED WITHIN THE 30 DAY TIME FRAME ALLOWED BY LAW. 
Prove the Statute of Limitations has not expired on this account- HAS NOT BEEN PROVIDED WITHIN THE 30 DAY TIME FRAME ALLOWED BY LAW. 
Show me that you are licensed to collect in my state- HAS NOT BEEN PROVIDED WITHIN THE 30 DAY TIME FRAME ALLOWED BY LAW. 
Provide me with your license numbers and Registered Agent- HAS NOT BEEN PROVIDED WITHIN THE 30 DAY TIME FRAME ALLOWED BY LAW. 
At this time I will also inform you that your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) this action constitute Fraud under both federal and state laws. Due to this fact, the negative mark that has been found on all XXXX of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against WORLD FINANCE CORP for the following : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of character
I have been fighting the have the erroneous debt attached to my credit report removed for years. In an attempt to comply with the consumer protections laid out in the FCRA I sent multiple communications to XXXX XXXX XXXX requesting the alleged debt be validated or removed from my file. Specifically : On XX/XX/XXXX17 ERC Reports to collection agencies a collection for XXXX in the amount of XXXX On XX/XX/XXXX17 I send ERC a Debt Verification Letter requesting a response within 30 days - On XX/XX/XXXX17 Debt validation letter was recorded as delivered and received by the USPS and on  XX/XX/XXXX2017 I sent a Failure to Comply Letter, requesting the account be removed. 

- On XX/XX/17 I received a " notice of rights '' letter, that stated, " Your account has been placed in a hold status and that collection efforts have ceased at this time. 

- On XX/XX//17 I sent a final request to have the account removed from my profile, as it was still being erroneously reported.
Bank of America recently held a check of mine for approximately two weeks without any warnings. They did this another time for around 5 days, also with no warning. This caused me all kinds of aggravation and fees from them as well as vendors that I made payments to. This has made me problems in personal as well as business accounts. They also repeatedly put my checks through twice even though I never asked for it and they charge me XXXX fees per check. I discussed this several times with personal bankers and got nowhere. I have now told them that I am done banking with them and have taken my business elsewhere. I asked them to close my accounts and send me a bill. Instead they keep my accounts open and keep racking up more bogus fees. Now for some reason they have a recording calling my PARENTS house several times a day. I do n't think I ever gave them that number and I need them to cease and desist. They should also remove all these fees from my accounts but at a minimum stop the harassment.
In XXXX of XXXX I was behind by a payment on seven private loans with Navient, so I called to make a payment and find out what options I had on dealing with the issue. 

XX/XX/XXXX I spoke with a representative named XXXX who helped me apply for forbearance and request a rate reduction program. I made a payment of {$450.00} to bring my account current and specifically asked her if I needed to do anything to ensure it wouldn't affect my credit report ( as nothing had been submitted yet ). She recommended making an additional payment to ensure it doesn't go past due while I was waiting for approval of the rate reduction program. I made another payment on the same call for {$300.00}. As part of setting up the program, I also set up autopay to have {$450.00} paid on XX/XX/XXXX and XX/XX/XXXX to keep the account current while I was pending the program. Those payments both came out as well on the respective dates. 

XX/XX/XXXX I noticed that a delinquency was posted on my account ( per XXXX ) and I was confused because I was told by XXXX that this wouldn't happen and I hadn't lapsed in payments. 

XX/XX/XXXX I called Navient and spoke with a manager in collection named XXXX. I explained what happened and asked about the credit reporting and he said they were " backed up and they falsely reported '' the delinquency. XXXX told me that " the collection will be reversed '' and on " XX/XX/XXXX theyll rescind the delinquency ''. He also informed me that I was approved for the rate reduction program and would be paying {$450.00} a month with 3 % interest rate on all of my loans for the next 6 months. 

XX/XX/XXXX My credit report still shows a delinquency so I called Navient again to follow up on the issue. I spoke with XXXX ( ID # XXXX ) who read my account notes and said there is a note that they requested it changed and late fees should be removed. She transferred me to a manager named XXXX ( ID # XXXX ) who said there was nothing he could do about reversing a delinquency. He said he would add notes to my account and request a review from an ombudsman who would review the calls I referenced and determine if my complaint was valid. He told me this person would reach out in 2-3 days at most and it's been a week and I haven't heard anything. 

XX/XX/XXXX I also submitted disputes with XXXX for the four loans that show as delinquent. I don't understand why it was only four loans since I have seven loans with Navient. This makes me think they were applying my payments to only some loans and not all of them, therefore allowing some to go into delinquency for a couple of months.
In  XXXX , my wife and I sent the attached letter to Equifax, requesting them to investigate errors on our credit report. My wife received her response 2 months ago, with the results of her investigation, however I have not received anything back from Equifax. I have even written Equifax multiple follow-up letters, but they will not send me the results of my credit investigation.
I have a mortgage payment with UWM and in XXXX XXXX paid the required XXXX into their escrow a account, I have paid faithfully every month. My property taxes and hazard insurance has been the same. FOR some reason I just received a statement saying I am short on on the amount in my escrow account and need to send them them {$140.00} because I do not have the required escrow of XXXX dollars. For XXXX and in the past it was the same nd it was never short. What happened this year? I have talked to them, but they do not give me an answer as to why it happened to be short this year. UWM is a division of United Shore Financial services.
Recently I was told by IberiaMortgage that I would no longer receive a monthly mortgage statement. ( I have had a mortgage in one form or another for over 20 years! ) I called to confirm this and they did just that. The email I got from them was short and to the point : XXXX XXXX, We have stopped completing the Monthly Statements. 
Thank You XXXX XXXX IberiaBank Mortgage Company XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, AR XXXX Phone : XXXX Desk Phone : XXXX Fax No. XXXX It seems that there are regulations requiring the bank to send a monthly statement. Could you please help me with this?