WillisBack/dataset-financial-user-claim huggingface dataset:
I contacted them about removing XXXX collection account from my credit report that reached the 7 year mark and need to be removed from my credit report. Instead of getting removed, the status got changed along with the amount of time it is staying on my credit report to 2020. 
The credit agency doing this is Experian. I have the XXXX item being investigated that is connected with this account, hopefully they will do the right thing.
I was in the generation of kids who were told that getting college degrees would open the door to great paying jobs, so rack up all the student debt it takes cuz you can pay it off easily after you sort through your job offers. 
Maybe there was even a time that was true, but although the unpaid internship market is through the roof, the job market is XXXX and my degrees are not competitive. I tried so hard for so long ( 2.5 years ) to get work in my field while scrounging on XXXX, trying to land any job in any field, usually part time and/or seasonal. When offered a full time year round position, albeit for $ XXXX/hour XXXX hours/week, I took it and have given up on trying to get work in my field. 
I have about $ 300K in loans. My federal loans are fine because Income Based Repayment brings them down to $ XXXX/month- even though Navient tries their hardest to obscure that it 's an option, and wo n't even, insofar as I can tell, tell you how to apply for it. The bulk of the loans, however, are private Navient loans, and recourse is practically nonexistent. I ran up my forbearance time while un ( der ) employed ( paying {$150.00} each time- paying money to not pay money so I ultimately pay them more money? ), and then they set it to interest only payments, which still works out to over 100 % of my income. Every payment I 've ever made has been to reduce my delinquency. Now they 're saying that interest-only payments is another thing that runs out and soon they 're going to ask me for EVEN MORE money- presumably 200+ % of my paltry income. It 's not that I 'm unwilling to pay- I 've been trying to pay like 20+ % of my pathetic income toward it, occasionally jeopardizing my ability to pay for food, but at this point I think the smartest option would be just to let it go into collection cuz Massachusetts will only let them garnish 15 % of my wages.
I already have a complaint opened against loancare, complaint # XXXX due the way they have have treated me ... and the complaint has done nothing! First, they have yet to respond to my first complaint, and second, when either myself of my authorized third party calls in ... we just get the run-around. Both myself and my authorized third party has called in 6 times within a 45 minute period only to be transferred to the bankruptcy department where I sit on hold for 10 minutes only to have someone answer the call and hang up. I call back, and I 'm told that I am being transferred to loss mitigation, and no one answers the phone ... I just get a random persons voice mail ... i leave a message do n't get a call back. My Authorized third party calls in, and all of a sudden loan care ca n't find the authorization I signed ... and Lastly, I still have yet been told who my loan file is assigned to? Is my loan not supposed to be assigned to a single person? ... I submitted a complete request for mortgage assistance to fax # XXXX on XX/XX/2016. I received fax confirmation that it has been received, I ca n't speak with anyone at loancare ... and when I ask to speak with management all they do is put me on hold forever until I hang up. This is ridiculous! ... they are messing with my home, please help! This is what has been happening for the last 2 years! This is why people lose their homes! Please help more than just forwarding this complaint to Loancare and think they will do anything.
XXXX and XXXX are reporting me as 120 days past due on the PHH Mortgage Svc and XXXX - partial account number : XXXX. These accounts have a {$0.00} balance and {$0.00} past due. This is harming my score. I have disputed this directly with the two bureaus but the coding has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.
XXXX has negative items on my credit but XXXX is a 3rd party debt buyer that sells the loans as investment vehicles which means they do not have my loan any longer. Since they did not have my loan and do n't know where it is all negative marks should removed from, y credit. It is illegal for XXXX to collect money on a loan that XXXX no longer owns, this is a criminal act and needs to be investigated. The only loan that I owe on is the co-signed loan but the other loans that " XXXX allegedly has '' are no longer valid because they have to proof they own the debt, they have the right to collect on it which they did n't. The only item I received from was something from XXXX XXXX XXXX, XXXX no longer owns my debt and they are a trust not a lender like XXXX claims. Even XXXX XXXX from XXXX advised me that XXXX is not a lender and not sure sure why XXXX told me that. XXXX is a 3rd party debt buyer, not a lender at all and they never were. I talked to the credit bureaus and they advised me that XXXX is suppose to remove any negative items if hey do not have proof of ownership from XXXX. If XXXX were to sue me, they would need this information which I never received. XXXX never sent proof that they have ownership of this debt or where my loan currently is. I want to move my loans to my bank but I ca n't until this problem is resolved. I do not want to do business with XXXX, they engage in shady business practices. Their reps lied about an amount I owed and then they keep trying to force to do auto debit even though I wrote them a letter telling them I will never do auto debit with them, I do n't trust this company and they should be shut down.
I checked my credit report and saw a debt that didnt belong to me I have reached out to Citi but they have refused to help or investigate the situation. The only information I obtained was this was a secured card with a {$800.00} credit limit but the balance is well over {$4000.00}. The address the card was issued was not any residence of mine. I wasnt even living in that state. I explained to them it was identity theft.
I purchased a new XXXX  XXXX at XXXX XXXX XXXX on XXXX XXXX, 2018, they sold the car to me at 4.59 % interest rate with my tier one credit. I was never offered the 0 % that they had at the time. 
What I was offered was 1 ) Don't take the rebate of {$1500.00} and get 2.99 %. 
2 ) Take the rebate and pay 4.59 %. 
3 ) 0 % was never offered to me. 

Total price - {$24000.00} less {$10.00} ( cash down ) = Loan amount {$14000.00} at 4.59 % Date of Purchase - XX/XX/2018 Tier one credit - Score XXXX
My mortgage company is Nationstar Mortgage. I pay $ XXXX/month in PMI. The PMI company is XXXX XXXX. I closed on my loan on XXXX XXXX, XXXX. My PMI certificate cites that my PMI rate is 1.83 % the first 10 years. Starting the beginning of the 11th year, the rate drops to .002 % which means that the PMI will drop to {$44.00}. That means my payment will drop {$360.00} starting XXXX XXXX, XXXX. I have sent certified letters to the company about the decrease in and initially they would only commit to the fact that the PMI would decrease. They refused to give me a quote on the amount of the new PMI rate. I continued to call, email and send certified letters to the company. They committed on several occasions to mail letters with the new amount and I never received the letters. I spent many hours on the phone to the company and made no less than XXXX calls since XXXX. I finally was able to talk to a XXXX XXXX XXXX from Nationstar on XXXX XXXX, XXXX. Within XXXX minutes, he emailed me a letter stating that the new PMI rate would drop from {$400.00} to {$44.00} starting XXXX XXXX, XXXX. Since the beginning of XXXX, XXXX, I have either called or emailed the company almost every day about the reduction in payment. My XXXX house payment is currently due and they have not reduced the payment. I refuse to pay the additional {$360.00}. 
The XXXX Homeowners Act specifically addresses PMI and disclosure. The company is supposed to disclose annually all the details of PMI. I have fought for several years with Naitonstar for information. If my property was appraised today, I would be able to drop out of PMI. But I have been unable to get the company to make any type of commitment or put in writing what would get me out of the PMI. They have violated the law by not disclosing this information. Unfortunately, I think I will have to result to legal action to make them do what they are legally supposed to disclose. They without a doubt have many individuals that are not qualified and the I am appalled at the their customer service. On one day, I made a total of XXXX phone calls and was on hold for hours without getting any help. My mortgage is the most important bill and to have the company so obviously disregard my emails and complaints is beyond ridiculous.
I receive calls constantly from this company with a recorded message claiming that complaints against me have been filed in their office. This is evidently an attempt to collect on a zombie debt because all of my current credit is up to date. 

Miller Stark Klein & Associates XXXX XXXX NC XXXX XXXX
Hi, I have received an email from Equifax stating that my personal information was hacked. this is the comments " XXXX XXXX Americans have had their personal and financial information compromised by hackers in a data breach at Equifax, XXXX of the country 's largest credit reporting bureaus " ..They provided a link where you can check if you was affected, which I did. 
XXXX : XXXX? XXXX % XXXX % XXXX % XXXX % XXXX & XXXX & XXXX & XXXX & XXXX & XXXX I did went to the website or link and entered the information requested : Last name and last XXXX digit of my SS # and after that said '' Thank You. Based on the information provided, we believe that your personal information may have been impacted by this incident.Click the button below to continue your enrollment in TrustedID XXXX. 
Enroll For more information visit the XXXX page. " Which I did. However, I am really worry that this data breach can be worst than I expected. Also, I do not for how long they will provide the TrustedID XXXX assistance which is not clear ... and I doubt it that they will provide the service or insurance for more than a year. Thanks and regards
Debt collection companies have been calling my phone number for approximately 8 years asking for XXXX XXXX. I am not him, and have repeatedly told them I am not him and have never known the person. The company in question, GC Services, has called me roughly 4 times in the past 2 weeks asking for XXXX XXXX and every time they say they will remove my number. I am sick of being called at least once a week by these people when I constantly tell them that XXXX XXXX has not had this number for at least 8 years.
I have had this account since  XXXX   XXXX . I always  ( ALWAYS ) m ade on-line payments through my bank -  XXXX   XXXX  . USAA  always  ( ALWAYS )  accepted these payments until  XXXX   XXXX . In  XXXX   XXXX , they accepted the payments and then unbeknownst to me returned them to my  XXXX   XXXX  checking account. In  XXXX   XXXX , I realized the payments were being returned directly into my  XXXX   XXXX  checking account.  USAA  NEVER reached out to me. Now they have closed my account, and my credit has taken such a big hit I probably can not get a student loan for my daughter 's college tuition. I have complained to  USAA , yet no one really hears what I am saying. They simply think I am in the wrong without looking at the facts. In fact it feels like no one gave me the time of day. I sent them plenty of proof.
I had inaccurate information display on my student loans credit trade lines. After the Department of Education completed their investigations, they sent a correction out to all the credit reporting agencies to correct the inaccurate information and to show no late payments on my student loans trade lines. They also sent me a copy of their findings and sent me documentation stating they had made the correction to my credit report. All the other credit agencies made the proper changes to my report, accept Trans Union, which deleted all of my student loans with XXXX, They have tried to replace the loans back onto my credit file but to no avail. I have spoken to Trans Union and have asked them to put these items back onto the credit report, but was told there was nothing to be done about it, and that these could n't be placed back onto my credit. They took these items off without my permission or knowledge. They created this problem, and should be made to fix it. I would like for this to happen as soon as possible. my credit has taken a toll because of their mistakes. I want my loans put back on my credit file, and shown properly with no late payments.
Experian declines to grant me any proof or validation of XXXX XXXX account ( ... XXXX and XXXX has found it to be an error and deleted it, it was false reporting on behalf of the loan company, and Experian has also failed to respond to me in writing within the 30 day period ... violating my rights and F.C.R.A. law ... this was an Auto Loan from 2014 that was settled, and has been corrected by the other two reporting Bureaus ... Experian seems to cause a lot of trouble for people without really investigating disputes, and they delight in being difficult and unresponsive, but a class action litigation may change this, because countless are quite unhappy with Experian ...
I spoke on the phone on multiple occasions with XXXX XXXX XXXX/XXXX account representatives regarding the final bill I received in the amount of {$420.00}. 

Here is what transpired that led to the billing issue : 1 ) I called on Friday XX/XX/XXXX to cancel my XXXX  service at the end of my 2 year contract period which would be XX/XX/XXXX. When asked why, I said it was too expensive and we did not watch very much. The agent on the phone offered to greatly reduce the price and add XXXX XXXX. I said my family does not watch XXXX but might be interested in XXXX. After further discussion I agreed to accept continued service at a significantly reduced monthly cost plus the addition of XXXX coverage. At no time in this call was I informed I would be entering into an additional contract period. Nor was I informed that I would be losing XXXX coverage. 
2 ) That weekend, I discovered that I had lost XXXX coverage. On the next business day ( i.e. Monday XX/XX/XXXX ) I called back and said that the changes were not what I had expected and I wanted to go back to what I had originally intended which was to cancel my service at the end of my two year contract period XX/XX/XXXX. The agent tried to talk me out of it but I felt like I had been misled and did want further dealings so I was firm and said cancel at the end of my two year original contract. 
3 ) On Monday XX/XX/XXXX, I received an email from XXXX XXXX XXXX that was an order confirmation for the service I had agreed to the prior Friday. Their position appears to rest on that email informing me of my contract being extended. But their position is ludicrous since I canceled the order the same day i.e. the very next business day after I learned XXXX had been deleted. 

They have sent the bill to a collection agency who is contacting me repeatedly. I have let the collection agency know what transpired but they just sent back a response simply saying they contacted the creditor who maintains that I owe the money. They did not conduct any independent review of the validity of the amount being collected. 

This is false billing and I will not pay the early cancellation fee. I am concerned, however, that they will file a report with the credit agencies and damage my credit. Your assistance in the matter would be greatly appreciated as they clearly have no concern with maintaining fair and reasonable billing practices. 

I have also contacted the FCC regarding this matter.
I found in my email a message from website : XXXX paid a mere {$4.00}, {$2.00} in International card handling fee, and another $ XXXX for a product I have never received. I attempted to contact the company and reached a call center. The agent did not apologize for telling me the he was sorry I have not received my prodcuts, but " ... you will have to contact the USPS becasue that is just shipping money ... '' Yet, he REFUSED to provide me with any tracking information and refused to refund the money, which is not much. But I believe these are shady business practices. I have emails but can not get them attached ... The sum of {$7.00} is broken into the following in my FROST BANK account - {$4.00}. XXXX, {$1.00} XXXX card Fee XXXX/XXXX/15, {$1.00} XXXX XXXX XXXX several days later, {$.00} XXXX/XXXX/15
Hard Inquiry fraudulently made on XX/XX/2018 by unkown subject on my account.
I bought a manufactured home in XX/XX/2001 Brand new put on property I was buying. I signed a loan agreement with XXXX which was taken over by Ditech. I 've called to have them refinance my loan due to the over 9 % interest rate I 'm paying back when my credit was in a lower score.. Now my credit is over XXXX but they refuse to refinance to lower my interest rate. I have fell behind on payments and even had them defer payments due to injuries that caused me to be off work and rely on workmans comp payments which is barely enough to survive on. my payments are over {$900.00} a month for a loan I took out with Green Tree. I sat down one day with my significant other only to realize I have paid over XXXX} XXXX on the loan of XXXX XXXX and only paid XXXX XXXX towards the home and the property it sits on. I still owe over XXXX XXXX on this place I call home which I am struggling to afford as it needs regular maintenance that I am unable to due due to the amount paid towards the home itself. We looked at this years payments and most of the money they received from me for the payments, was put towards interest of over XXXX XXXX for 1 year .. Only a little over {$900.00} has been put towards the home itself and the rest is interest in there pocket. What happen to the OBAMA, MAKE A HOME AFFORDABLE PLAN cause for sure this company is profiting millions off of home buyers like me.. I now have my almost XXXX mother living with me due to needing someone to care for her and paying for her own well-being to keep her XXXX and not a XXXX.
We received a letter dated XXXX, 2015 that the buyers of our property were pre-approved for credit with Pacific Home Loans, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. ( XXXX ) XXXX. 
The buyers XXXX XXXX XXXX XXXX agreed to purchase our home, and we went into a 60 day escrow, starting XXXX XXXX, 2015. At the end of escrow, we were informed that they did not qualify to purchase. We moved thinking escrow was over in XXXX, which our realtor XXXX XXXX XXXX said they had heard nothing, that the escrow was going as planned. The buyers are now backed out, and are not paying the EMD deposit of {$3500.00} to us. We now have to pay all the bills for XXXX places, which is unfair. XXXX Home Loans should have let us know before escrow ended. We would not have had to move so soon. 
The property address that they were purchasing is XXXX XXXX XXXX, XXXX XXXX, CA XXXX. We are still trying to sell the home. We would like to file a complaint against XXXX XXXX XXXX & request they pay us the {$3500.00} that was due to us. If not, we will be forced to file a court case. 
Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX ( XXXX ) XXXX ( XXXX )
To who it may concern I am here writing to you because on my credit report it shows that I have to pay   XXXX    XXXX  $ for an account that I have no recognition from I believe that I am going through identity theft if you could help me with this issue I have reached out to the compliments and try to distributed but they have denied it
Well Fargo is sending me false statements, and harassing phone calls. 

1 ) I have a VA loan which clearly says that my monthly payments to mortgage ( XXXX ) are not late until after the XXXX day of each month. However on XXXX XXXX Wells Fargo sent letter saying ( without any specifics or or itemizations ) I was " seriously '' delinquent and over due and threatening foreclosure, but the facts are my monthly mortgage principle/interest ( XXXX ) was set by the VA loan administration and was paid in accordance with the Va guideline before the XXXX of the month. Please reference mortgage check # XXXX for XXXX cashed by Wells Fargo on the XXXX of the month and escrow check # XXXX cashed by Wells Fargo on the XXXX in the amount of XXXX. 

2 ) In addition to sending me false letters saying I am delinquent and threating foreclosure, without any itemized facts, Wells is calling me daily, and when I pick up the phone they hang up, or if I do n't pick up they leave ambiguous message like " calling about the mortgage '' or leave no message at all. additionally the " about the mortgage '' statement, that is not enough information to return a call. I am being harassed with frivolous phone calls, or rude hangs by Wells Fargo.
I have a a unverified account from FABCO # XXXX. I had previously disputed this account. I have never done business with FABCO. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. You are a unknown credit bureau company that has stored information that was not authorized by myself you are in violation under section 604 and 605 of the FCRA. 
My name is XXXX XXXX XXXX and I would like to place a security freeze on my file. 
I request that FABCO Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that FABCO Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
I received a collection call a few months ago claiming I had a debt in collections. I immediately thought it was a scam because it sounded sketchy especially since I am responsible and married a CPA who manages finances. 

I received another call. I asked what they were talking about and they told me they acquired the debt from XXXX. I did cancel XXXX within the last few months but I had that account for 17 years and verified I did not have a contract before canceling due to service bad at my new home. 

I asked for the reason of the charge to which they could n't tell me. I asked to dispute it and was told to contact XXXX since they are the only ones who can see the reason. I called XXXX and they could not tell me anything since the account was purchased by collection company and I 'd have to contact them. I went back and forth several times. I put in a dispute with the collections company and was told it 'd be reviewed and I would be contacted. That was a couple of weeks ago. 

I am currently trying to purchase a larger car since my wife is XXXX in 6 weeks. I decided to check my credit and find that my XXXX score is XXXX and my XXXX is XXXX because they reported the false debt. To put it perspective it has n't been reported on XXXX and my score is an XXXX. This is going to significantly cripple me getting the interest I should get not having this. 

Thanks,