WillisBack/dataset-financial-user-claim huggingface dataset:
MEFA loans and XXXX mailed me four physical letters ( I have four open accounts with them ) dated XX/XX/XXXX. These laters stated information about my repayments such as the payment options, estimated monthly payments, and when my first payment due date would be. It was stated in writing that my monthly payments were to begin on XX/XX/XXXX. 

Recently, XXXX XXXX XXXX acquired XXXX and sent me four new physical letters that now claim my account is 60 days overdue and has now been sent to a collection specialist. When I reached out to them about this issue I was told that they have " no idea why MEFA would send me anything about payment options when it is not even them who I am repaying '' but that it was also not them who sent the letter. I was told to call MEFA so that they could explain it to me as I " just was n't listening '' to what the XXXX specialist was saying. The " specialist '' I spoke with refused to believe that MEFA would send me a letter even though the new letters from XXXX are also stamped with MEFA in the letterhead. 

I am now aggravated that I have been preparing to begin making payments in XX/XX/XXXX only to find out that I owe thousands more for past due payments. Even more so, XXXX refuses to even hear me out on the situation or help me come up with a plan so I can reasonably pay back my loans.
On    X/XX/2017      I received a call from a representative of  OCWEN Loan Servicing i ndicating my loan was in default. I had no idea what he was talking about. He told me that my escrow account was short, I believe  XXXX  or  XXXX   XXXX  dollars. I had never heard of such with a loan so old (  XXXX   years old  ). One of the most confusing things about the conversation was he, the representative, could not tell me how he arrived at that figure. Usually the mortgage company will send a copy of the escrow account with how all accounts have been paid, if there are shortages, and when they are due.     Finally, after I saw he could not explain himself, I requested a copy of escrow account to be faxed to me. It took a while for him to get the information. I 'm sure they have procedures in place, but it took him a while to get it together. After a while I told him to fax it to me when he got the documents I needed.     However, I did receive the fax. After I reviewed the escrow account, I could not understand how they came to their conclusions. So, I called for explanations. There were none, that I could understand. I asked several times ; how did you come up with these projections. I was told RESPA allowed them to use projections but he could not tell me by how much. I kept asking, what 's the criteria for the increases? That question never got answered. I know a {$4000.00} projection or {$400.00} a month is unreal, on this property for sure.     Bottom line, my taxes and insurance have been consistent for years. Maybe a little increase here or a little there due to an increase in insurance, but never to the point that payments are increased by {$400.00} a month. That does not make any sense to me.     Not only did my payments go up, but my account is now delinquent. That has never happened before.     Maybe it 's because I have a low balance and in a good neighborhood, and maybe they are using increased escrow as an excuse to cause problem s. OCWEN Loan Servicing bought thi s loan a few years ago. Until now everything has been pretty good.
This debt is reporting on my credit report twice under the XXXX XXXX XXXX & XXXX XXXX and this account has since been sold to another collection agency and Ive tried to dispute debt several times between the months of XX/XX/XXXX & XX/XX/XXXXand Ive gotten any results ... Ive ask them to validate the debt and they have failed to do so ...
I am writing to request that the account charge-off placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), This is not a request for validation, I HAVE ALREADY SENT SEVERAL ID THEFT AFFIDAVITS I WILL NOT SEND ANYMORE, furthermore The information in this ID Theft Report is clearly LEGIBLE. There is no need to request for further identification Equifax and XXXX and XXXX claim to verified these accounts yet have not sent Any Verifiable proof, or proof of their investigation procedures. 
The XXXX Account was established in XXXX of XXXX The address attached to this account differs from the address I have lived at since XXXX The payments made on this car was drawn from a bank account that is not mine, this bank account was opened from an address that is not my address. 
The Co-signee on the accoiunt is NOT RELATED TO ME I do not know him. He is in fact of a different race.
I have disputed the late payments on XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX, and XXXX XXXX XXXX accounts with the credit bureau. I requested for investigation procure which they did but did not get a response..Not only that, they refused to reverse the late payments. They will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
I contracted XXXX, XXXX, and XXXX on XX/XX/2018 and XX/XX/2018 requesting personal information be updated and provide documents in support of my request. 
I.M FILING A COMPLAINT BETWEEN XXXX XXXX XXXX XXXX, AND XXXX XXXX  AND XXXX. I HAVE REACHED OUT TO XXXX, XXXX  AND XXXX  TO TRY AND HAVE MY PERSONAL INFORMATION UPDATED SUCH AS MISSPELLING OF MY NAME, OLD ADDRESSES, INACCURATE PHONE NUMBERS, ACCOUNTS THAT SHOULD NOT BE SHOWING AS OPENED ON MY ACCOUNT AND I HAVE ALSO ADVISED THEM OF HARD INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT REPORT THAT I DID NOT AUTHORIZED. ALTHOUGH XXXX  DID WORK A LITTLE WITH ME, THESE ITEMS ARE STILL APPEARING ON MY CREDIT REPORT. THIS IS GETTING RIDICULOUS. MY DISIRE IS TO HAVE THE OUTDATED AND FALSE INFORMATION DELETED FROM MY REPORT. 

I file a dispute with XXXX and XXXX if reference to XXXX XXXX XXXX about a {$3300.00} on my account. I also sent XXXX XXXX XXXX a register letter disputing this posting and asking for verification of debt. Enclose is the information that they forward to me from another company. They provided no documents showing I have any debt with then, also XXXX XXXX XXXX failed to notify the XXXX or XXXX of the dispute. XXXX is reporting inaccurate information in reference to XXXX XXXX, they are reporting the date of the last activity instead of the date of first delinquency. Im requesting these items be deleted from my report.
i live in florida. a texas ac company keeps adding charges to my credit card. the ac company 's listing goes to a book store ( ac charges being billed fraudulently to a bookstore should have beena red flag for compass ), not an ac company. charges for {$500.00} and {$200.00} were put on my account and i received nothing of value. 

i disputed the charges. then compass decided they were valid charges even though that would be impossible. 

the charges are being added to my account by compass and billed to me and added fees to my account, refusing to remove those fees as a result of the fraudulent charges.
My company got a Chase XXXX credit card. The person that applied for the card left the company last year and no longer works for the company. The account was paid and had a XXXX balance when we called and closed the account last year. The company kept the account opened and charged the annual fee and continued to charge the late fees for nonpayment. We did not receive any bills for over XXXX months and only last week we received an email saying the account was past due and closed because of non-payment. I called the customer service number and was transferred back and forth for over XXXX hours looking for someone that could reverse the charges. I was finally transferred a supervisor named XXXX XXXX, who said the only person that could close the account was the person that no longer works for the company, which we ca n't get a hold of. We asked that all the unauthorized charges be removed and he said he would not and threatened to keep on accruing interest and late fees on charges that was never authorized and additional late fees.
1. This company is calling me up to 13 times per day using a variety of different numbers from all over the country that come through on the Caller ID. If you send the call to voice mail, many times they will call immediately back. 

2. This debt is being reported twice on my credit report. The original creditor is reporting it and Portfolio Recovery is also reporting the same debt. This makes me look like I owe more than what I do and that I have two, instead of one, accounts in default. This is unfairly further damaging my credit.
Well, 4-5 years ago I had cable XXXX and always paid my bill on time but was very unsatisfied with the service. ( They did n't hook up the right amount of boxes for the amount of rooms then wanted to charge me {$100.00} to get another box that I was suppose to have gotten for free at initial hook-up, so I just let that go and stayed with the one box I got. I did have to pay to get switched to the channel line-up program that I was suppose to have had to begin with. : just a couple of examples of why I was unsatisfied ) So I decided to cancel my service, and just learned that they 're still XXXX 4-5 years later ) trying to collect {$380.00} just for cancelling my service early. I did n't even know that they 've sent it to a collection agency until now. There 's no way I can pay that because I raise my XXXX kids by myself and have to scrape just to pay regular bills and necessities! How can I get them to drop this debt? And I had service through XXXX in either XXXX or XXXX so I 'm wondering why they waited until XXXX to send the debt XXXX to try to collect it. (? )
On XX/XX/2015, I submitted payment for my XX/XX/XXXX mortgage via the only option that SunWest Mortgage made available to me for sale day payment -- XXXX XXXX. I have a receipt that I paid the mortgage on XX/XX/XXXX at XXXX and that the money woudl be delivered in minutes. For whatever reason, SunWest did not process the payment for an additional day, thus they claim I was late with my payment. I have attempted repeatedly to have them correct the erro, without success. Thier default is  that its not when I pay but when they process -- however, I can not control how fast they process -- only when I deliver the funds.
I have repeatedly asked Equifax for evidence to support their reporting of an account in the file they maintain under my Social Security number. They have failed to provide me with a copy of any verifiable evidence submitted by XXXX XXXX XXXX XXXX XXXX substantiating their claim that I am financially responsible for this account. I am not the primary owner of the account, not a co-borrower, and not a co-owner, I am an authorized user. I have never applied for credit, and this a not a joint account ( although its being reported as one ). Furthermore, I have requested their method of verification, and they have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ).  Recently, Equifax provided their investigation results, and again, they failed to provide verifiable evidence. Interestingly, they included a statement alleging " Consumer 's dispute not specific '', however they were still able to conduct an investigation without " specific '' information. Further into the results is a statement that says " Account Historical Data SUPPRESSED. '' The results continue to state that the originating source provided additional information claiming " Historical account information was DELETED from this account. '' Their investigation results are unclear, contradictory, and lends no credibility to the company. Is the information I requested DELETED or is it being SUPPRESSED? Either they have it or they don't. In any case, they are not providing it. I challenge the accuracy, compliance, and reportability of this listing. I formally request the trade line be immediately, and permanently deleted from my credit file.
Ocwen created a new mortgage with loan number XXXX which I have refused to pay since its inception in XXXX.  I have never paid one payment on loan XXXX and I filed complaint number XXXX with this office which is currently under review.  Since Ocwen filed its response to complaint XXXX they modified loan number XXXX without a request from me and without any acceptance of the modification.  I became aware of the modification when I logged on line to Ocwen.com and looked at the mortgage account statement.  The statement shows that I have already missed one trial modification payment in the amount of XXXX and have a current payment due in the amount of XXXX that is due now.  Ocwen did not mail this statement to me, they did not mail modification papers to me to sign etc.
Upon checking my credit report over the end of this past summer I noticed a listing saying I owed {$1500.00}. This amount was supposedly " opened '' originally with a XXXX XXXX XXXX XXXX XXXX XXXX  company on XXXX XXXX, 2014. It is now in the hands of XXXX XXXX. I disputed this debt through XXXX by way of XXXX XXXX and when the dispute was finalized I got notification of it being removed from my report. But right after ... .I noticed that it was listed again as a debt owed to this company. Not only did I not incur this debt myself, but I was in horrible car accident ( that left me XXXX ) the month prior and was still hospitalized when this debt was supposedly opened/started.
am disturbed that XXXX and XXXX are still report a dismissed bankruptcy ( chapter XXXX/Chapter XXXX ). The fair credit Reporting Act mention nothing in the section 1681c relating to bankruptcy about dismissal or filling. The law clearly states from " date of adjudicaiton '' or date of " order of relief ''. Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no rights to maintain information which the government has deemed non existent. Therefore, pursant to Section 1681 ( a ) ( 5 ) of the FCRA you must delete this information from my credit report and send me an updated copy within 14 calendar days.These items were removed on XX/XX/XXXX and reapplied/put back on to my credit file today XX/XX/XXXX. This information is incorrect and by law can not be resubmitted each month. As a consumer I have the right to have my credit file show the correct information. Also a collection account XXXX XXXX is a fraudulent account and I have submitted the proper paperwork and will resubmit it again via by mail. Which clearly show this is not my account.
GM Financial has repeatedly reported incorrect information from account to my credit report for OVER A YEAR!!!! This is absolutely UNEXCEPTIONABLE!! All this time I have been working HARD to position myself to become a home owner and could not understand what was holding me back!!! It was GM Financial!!! I had to dispute the account balance that they report due to it being INVALID!! GM Financial reported that I owed over {$5000.00} when I only owe {$2000.00}!! They updated their error. As they should have!! Then ... GM FINANCIAL updates their system XX/XX/XXXX and caused my online payments to be late XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX!!! If I was late why are they just reporting this!??? They just reported those XX/XX/XXXX!!! If I was late why wait so long??! Because they are wrong and I was never late!!! I found out about those late payments from my lender who informed me just yesterday that my score went down because GM FINANCIAL reported 3 late payments in the past 2 weeks. I called and they said it was my fault!!!! Now tonight I get a credit alert saying my equifax has went up 44 points!!! How did that happen!?? Because the detail shows that GM FINANCIAL HAS INCORRECTLY REPORTED that I HAVE LATE PAYMENTS THAT THEY UNCOVERED WAS INCORRECT!! XX/XX/XXXX-30 days late, XX/XX/XXXX-30 days late, XX/XX/XXXX-60 days late, XX/XX/XXXX-60 days late, XX/XX/XXXX-60 days, XX/XX/XXXX-60 days late and XX/XX/XXXX-90 days late!!!!! They just changed it!!! This is an outrage and I demand that this be addressed RIGHT AWAY!!! This has hindered me severely from becoming a homeowner. On top of that I had to get an online alert and I was never even notified!!! I have missed multiple opportunities to become a homeowner due to their delinquency! This has caused a major setback along with XXXX   XXXX and XXXX!!! If this is not taken care of I will seek further assistance!
Trans Union fa iled to correct wrong information on a public record, a N Y State in come tax lien causing me to lose a {$10000.00} a month contract and is now o  n Public Assistance and about to be evicted.
  XXXX   and  XXXX  corrected the information and removed the Lien on   their reports since  XXXX     2017  howeve r Trans Union r efused to do so.   The amount reported is incorrect, the address was incorrect, there was no Social security # identifying me.   This has ruined my family 's life.   I understand that as of  XXXX   XXXX ,  2017 , this information will no longer be reported.
COLLECTION AGENCY COUPLED WITH LAWFIRM VIOLATED FCRA, FDCPA, TCPA, SOL, PRIVACY AND CIVIL RIGHTS VIOLATIONS. SERVED ME AND SAID WILL SUE ME TOO ON BEHALF OF XXXX XXXX XXXX
I called 5th 3rd bank to see if I was included in the Auto Lending Enforcement. I was told that this is only for the state of Ohio and I was n't included in the suit.
I sent, by  USPS certified mail, a di spute and request for validation of negative information reporting against my SSN to   XXXX   on  XXXX / XXXX /   17  and Equifax on  XXXX / XXXX / 17 . The request clearly stated that a generic response that the information was verified would not be acceptable. I asked that they provide me with the documents they have in their files to verify the validity of the information they are reporting. I have the right to demand this information under the Fair Credit Reporting  Act, 15 U.S.C. 1681g. I also demanded that under the FCRA 15 U.S.C. 1681i, all unverified accounts to be promptly deleted. My request was ignored and   XXXX   and Equifax responded to my request saying the accounts in question were " verified '' without providing me any proof of verification or copies of documents to support their claim.   XXXX   and Equifax are in direct violation of the Fair Credit Reporting Act. The Credit Reporting  Agencies have an obligation to uphold these standards and be in compliance with all applicable laws and regulations and they have failed me as a consumer.
At the time repayment of my loan was expected I was encouraged to do deferment and while waiting on the forms I should place my loan in forbearance. Forms for the deferment never came. I called XXXX times and was given the run around. I also asked about my repayment options and did not receive adquet assistance. I was told I did not qualify for repayment arrangements ( IBR ) but my income is below the poverty level.
Was informed many times to go into forbearance with my loan when I was struggling with paying for them. It took me to a point to where I had to claim bankruptcy in order to be in a position to pay for my student loans. I am currently paying on my loans now ... my balance has now exceeded over {$100000.00}. Received loans for my XXXX with University XXXX, XXXX XXXX as well as my XXXX program with XXXX University, XXXX XXXX.
On XX/XX/2018 my mother was contacted by Sun Loans as they were trying to contact me. Sun Loans asked her if she would be able to get a message to me. She asked what this is regarding. Sun Loans told my mother that I was past due on my payments. My mother asked what the balance is on the loan. She was told {$240.00}. My mother began asking questions about the loan and the balance due. She stated that she knew the company had garnished my wages and she didn't believe the balance should be that high. She thought it should be down around {$100.00}. She was told that the account had continued to accrue fees and late charges after the garnishment was stopped due to me no longer being employed with the employer. She was told my account is more than 60 days past due and in danger of legal action. My mother is not on the loan and none of the particulars of my situation should have been discussed with my mother. She should not have been given my balance or my credit information. My mother did end up paying off the loan during the call. She asked for the confirmation letter to be mailed to her as she made the payment. Sun Loans refused to mail her the letter even though she made the payment. They asked her to relay to me to give them a call to update my address so they could mail the necessary documents, payoff and payment confirmation, to me. My mother was never asked to verify her identity or my identity during the call. My private information was released without questions. When she asked them why they would release my private information and how did they even know who they were speaking with, XXXX, the manager with  Sun Loans in XXXX Illinois, said they have access to public information and knew they were talking to my mother. She told them they may know they called my mother 's number but they have no way of knowing who they were speaking with as they asked no questions about me in order to verify her identity.
Equifax has allowed " XXXX XXXX " in reporting negative and INACCURATE information on my credit profile from an account of a leasing machine XX/XX/XXXX. 
This is NOT my account, I NEVER signed for this account. According to XXXX XXXX, this account was activated in XX/XX/XXXX. I was not an owner of this business at that time, but purchased the business until XX/XX/XXXX. I have informed XXXX of this and that this is not my account several times. i sent a signature affidavit to Equifax as proof along with a fraud complaint. The Illinois State agency shows i was NOT the owner of this business related to this account in XX/XX/XXXX. Yet Equifax has continued to report this along with a civil judgment from Same creditor on my personal profile. 
This has significantly damaged my credit profile as well as interfered in business transactions and growth. It has created a mental and financial hardship. 
XXXX is well aware I was not a signor on this account, and so now is Equifax but have reported negative information on my credit profile anyway. Furthermore it has come to my attention that XXXX has been the target of many lawsuits due to their unethical practices. Again, XXXX is a company known for illegal, unethical and fraudulent claims against consumers, and in spite of the evidence being presented Equifax credit bureau has failed to remove this inaccurate account ( s ) from my credit profile, and i have been disputing this for over a years time now. 

ALSO, This company has pulled my credit continuously without my authorization whatsoever which Equifax has allowed them to do despite my objections. This has created a hardship for me and has done considerable damage in my life both XXXX and financially.
I have XXXX collection accounts that was bought from XXXX XXXX by PORTFOLIO RECOVERIES ASSOCIATE. The collection company is listed on my credit reports under XXXX XXXX as being "sold to PORTFOLIO RECOVERIES ASSOCIATE The collection company is "PORTFOLIO RECOVERIES ASSOCIATE" and this company is not licensed to collect in my state of North Carolina. XXXX XXXX is listed on my credit report as charged off and "sold to PORTFOLIO RECOVERIES ASSOCIATE." Since this company is not licensed to collect in North Carolina I would like this information deleted and removed from all XXXX credit bureaus and kept from reporting on my credit reports in the future because they bought the debt without having a license to collect in NC.
After filing for modification and the bank denying me and not producing the evidence to back up that I did qualify. I have filed another modification and submitted all documents and pay-stubs, etc. I also make more money than during the modification. My attorney filed the paperwork in XXXX and we still have not got a response from the bank regarding the new modification. Lets see what their reason for denial will be now.