WillisBack/dataset-financial-user-claim huggingface dataset:
To Whom It May Concern : I am writing to file a complaint against CHASE because of their predatory lending practices reporting negative item for last 9 years and selling my social security # and date of birth to XXXX
Wells Fargo is sending unsolicited XXXX '' - checks that draw from your credit card. In my opinion these are extremely confusing to customers to send out, and now disposing of these correctly has become my problem. 

Each check includes at least XXXX digits of my credit card number, and recovery of any check would be enough to deposit it electronically on my credit line.
On XX/XX/2018, I sent a debit validation letter to XXXX XXXX asking them to send proof of the debit they say I owe. I sent a certified letter to the creditor. This certified letter was delivered on XX/XX/2018. I have yet to receive a response from the collection company validating this debit. I ask the credit reporting agency to validate the debit and they have yet to validate this debit. By law they have 30 days to response to a consumers request. Please check into this matter immediately.
I have been through the HAMP process and have signed and followed up on several Dodd-Frank documents suggesting that my prompt payment incentive is on its way. It has been 10 months since the completion of the 6-year program. However, when I reach out to my mortgage company about facilitating the incentive my request is dismissed until my mortgage lender receives payment from the government. There is no advice on how to resolve this. I have held up my end of the agreement, but it appears that there is not a way to access my incentive.
The collection agency is sending false information about a debt to the credit beauros. They are not providing enough info related to my debt that they are trying to collect. I sent a dispute letter to this collection agency asking them to verify the debt but the company is sending their computer screenshots and saying that its a valid debt. 

I contacted the the supposed original creditor XXXX and they acknoledged that the debt shouldnt have been reported in the first place. I got a call from XXXX saying that they would delete this negative item from my credit report and they promptly removed it. 

On the other hand, LJ Ross is reporting this debt as a deliquent account and hurting my credit. This js absolutly unacceptable. They would need to contact XXXX regarding this debt and verify the validity of this debt and remove this item from all of my credit reports.
I received a new debit XXXX through Key Bank. I scrambled trying to remember all the accounts attached to it for my monthly bills. My water bill was delinquent and I had to submit the new account number for that. There were recurring charges for services that I did not want continued. Imagine my SHOCK when those merchants were able to obtain my new credit card information when I did not authorize them to. This should be illegal. It is not a service to consumers ; it is strictly a profit for the XXXX and the retailer. The only option XXXX was willing to do was to reissue me another card - which was not acceptable to me since I had just updated everyone I wanted updated with my new information less than a month ago. There was no " opt out '' of having new card information provided by an " updater '' program.
After checking my credit report, I noticed XXXX XXXX has resubmitted an account that was removed from my credit report due to identity theft.
XXXX XXXX,2017 XXXX and XXXX on XXXX 2017 this bank pulled my credit without me authorizing them to do so.
I did not authorize the credit inquiry dated XXXX/XXXX/2015 to Capital One Auto Finance and ask that this inquiry be removed immediately as I did not authorize it and is a fraudulent Inquiry.
( 1 ) I have made over 120 monthly payments to my loan servicer ( Nelnet ) for over ten years and recently applied to the Department of Education for the Loan Forgiveness Program but was denied because my " loan type did n't qualify. '' After a lengthy discussion with DOE, I was told that when I consolidated my Direct Student loans with Nelnet, they became FFELP loans and therefore did n't qualify for forgiveness. I was never told about this change of loan type when it occurred. 

( 2 ) My payment history shows that with each XXXX monthly payment, the amount applied to interest ranges from {$140.00} to {$190.00} each month ; therefore, after over 10 years of faithfully trying to pay off my student loan, I 've barely made a dent in the principal ( I can send a copy of my payment history with the amounts applied to interest ). 

( 3 ) On the advice of the DOE, I recently sent the following letter to Nelnet : XX/XX/2017 Nelnet XXXX XXXX XXXX XXXX, XXXX XXXX CC : U.S. Department of Education -- '' A representative from the U.S. Department of Education recently advised me to make a written request to have 100 % of my future student loan monthly payments apply 'strictly to my remaining principal and not to interest. ' Because I 've faithfully made over 120 payments to you over the last ten years, the representative thought you might be agreeable to the change in my status. She also wondered if Nelnet might also 'backtrack to apply all the interest to date to the remaining principal. ' Simply put, I 'm writing to request that you now apply 100 % of my monthly payments toward the principal of my loan and, if possible, apply past interest paid to the principal as well. Thanks for your consideration, and I look forward to hearing from you. '' Nelnet has rejected my request. Their response is as follows : " When each payment is received, it is first applied to outstanding fees ( if applicable ), then outstanding and accrued interest, and finally to principal. Any additional payment amount received is automatically applied to principal. Even though the extra funds are applied towards principal, they are also applied towards the next month 's payment, as we are unable to ask you to pay your loans off early. '' Students have problems paying off their loans because of companies like this that charge exorbitant interest and are n't forthcoming about changes -- XXXX to FFELP -- that occur when loans are consolidated through them.
We have a mortgage loan # XXXX with XXXX XXXX XXXX. Is the XXXX note subject to the same settlement and remidies as the XXXX note, ordered by the Department of Justice?
I am writing to file a complaint against Ability Recovery Services Collection Agency who has failed to investigate fraudulent accounts opened under my name at a school that I've never attended. This school is an online program which I have never attended nor signed up for education. They have added ( 2 ) account to all ( 3 ) credit bureaus and even after sending proof of police reports and identity theft, as well as disputing these accounts, they have failed to remove them from my credit reports. The accounts are {$370.00} and {$460.00} and are hurting my ability to obtain credit. 

I have been since XXXX when someone used my identity to file a fraudulent income tax. I have also lost a wallet containing all of my personal information back in XXXX. I did not sign up for any educational services with XXXX XXXX as I am a current XXXX XXXX  at XXXX XXXX University and have been since summer XXXX, enrolled in a XXXX  program which requires a XXXX XXXX, which I obtained in XXXX from XXXX University where I initially enrolled in XXXX of XXXX. This can be verified thru the XXXX XXXX XXXX or by contacting either university directly. 

With that being said, I have absolutely no reason to sign up for any services with XXXX XXXX as Id already had ( 2 ) XXXX degrees ( during the time youre stating I was enrolled at this school ) and will be graduating soon with a XXXX XXXX. There is absolutely no way I could have combined universities with the workload I carried during my XXXX classes at XXXX University as I was already a XXXX XXXX taking XXXX credits per term. Whoever signed up for classes with this school did so in a fraudulent manner. 

I am requesting that this agency investigate this matter and correct this as soon as possible as this is hurting my ability to obtain employment in my field of degree.
A debt of {$42.00} was placed on my credit report for something that they claim i've owed since XX/XX/2013. The collection agency is Ability Recovery Services LLC and the client name is XXXX  XXXX XXXX XXXX. I have no idea what this is. I looked it up to see where the company was and I'd never been to either location. I never got a bill. I never got an explanation of charges. Only this negative mark on my credit. XXXX XXXX and XXXX   have deleted this debt. XXXX  did not. I need this removed ASAP as I am in the process of purchasing a home.
I have made a purchase on a house I was scheduled to close on Monday, XX/XX/XXXX. I initially applied for a mortgage loan through TD Bank back in XX/XX/XXXX. However, the mortgage processor neglected to let anyone know there was only one piece of the information missing until today, which prevented me from being able to close on the house. Everything was set up to close today between myself, the title company and the realtor, except for TD Bank because have n't gotten around to review or finalize anything even though they have been recieving information for the past two months. I am now in the situation where I will have no where to live by week 's end and have to pay fees and penalties to various companies that I had set up based around the closing date I was provided. There is no resolution or estimated time on when I will be able close on this house and was given poor customer service by those involved at TD Bank.
I received another call from Citizen 's Bank 's asset recovery division. I do not have any loans from Citizen 's Bank. My XXXX XXXX XXXX son who is still a full time college student has a loan that was sold to Citizen 's Bank. The contact information on that loan at the time it was sold was his, not mine. I did not cosign for the loan and he should not have to make payments since he is currently a full time college student. It is possible that they are calling about this loan. They could also be calling about a debt owed by XXXX XXXX who is not related to me and has never used my home phone number.
My husband had a tenant he turned over to collections thru XXXX. The tenant then filed a lawsuit against XXXX us because they threatened to harm his credit. I sent an email to put this on hold till it could be resolved. They said it could not be placed on hold had it had to be cancelled. I cancelled it and then they sent us a bill for {$52000.00} and my husband called them and they offered to settle for {$10000.00} or " make an offer ''. He told them he had other accounts to send to collections and once this is resolved, he would give it back to them to handle. Until then he thought they might have done maybe {$100.00} worth of work.They then called me and demanded the whole amount and I told them they had done nothing but send a letter and how do they think that entitles them to {$52000.00}? He said to pay it today or it goes up to {$72000.00} on Monday.I would be brought in and held equally responsible because I was the spouse. I told them if they expect to get paid {$52000.00} they need to collect 3 times that amount to get their commission and he said the debt is owed. This is totally ridiculous. You send one letter and expect to be paid {$52000.00} and then {$72000.00} from the person who hired you in the first place? I work on a commission basis and if the deal does not come together, you do not get paid. How do they think they deserve to be paid this exorbitant amount? Then we got collection letters from their partner company, XXXX XXXX, which is also threatening to damage our credit.
XXXX hired Financial Asset Management Systems to collect on student loans. Financial Asset Management Systems is alleging that I have only paid {$1000.00} in total for the last 13 payments that I have made on my account. This is false. Financial Asset Management Systems is flagrantly violating the Fair Debt Collections Practices Act by not accounting all my payments properly. Financial Asset Management Systems is asking me to provide proof of payment when they should be the ones that should be correctly totaling my accounts. Each monthly payment on my account has been for at least {$250.00}, however Financial Asset Management Systems is incorrectly claiming that I have only paid {$1000.00}, which is patently false. XXXX and Financial Asset Management Systems are engaging in deceptive debt collection practices. Under CFPB complaint number XXXX, Financial Asset Management Systems is incorrectly claiming that I have only paid {$1000.00} on my account. Financial Asset Management Systems is engaging in deceptive debt collections practices because I have paid way more than that amount of my account and it shouldnt be up to me to proprerly credit my account, it should be up to the debt collector. Financial Asset Management Systems is misrepresenting the payments I have made on my account and not properly accounting all the payments that I have made.
In 1996 I attended a school called XXXX in XXXX, PA for XXXX. They advertised a MUCH higher salary for XXXX and charged me over {$40000.00} for the schooling. I could not find a job making enough money oto live off of and I had to go back to school. The school is closed now and I am still paying student loans due to the high interest rates.
The debt they are adding to my credit report is my mother 's account. I never agreed to this account the only way they are linking me to it is because I let her use my debit card to pay but I was not the account holder. I have never received any billing or notifications from them just one day the charges appeared on my credit. I have disputed the charges twice. It will get removed then a different credit collections company will add it back on my credit. First it was under Round two credit recovery that was removed and now it was readded back by XXXX. Also the date on it is incorrect the account she made with them is at least 5 years old or older and they are reporting it as if its new.
Discover Card authorized a charge for {$120.00} from XXXX XXXX XXXX this is an unauthorized charge. They allowed the company to charge my card and the charges remained even after I called Discover Card and verified my identity and notified them of the unauthorized charge the same day.
The loan company XXXX XXXX, a possible Virginia based small business loan company that deals online only set up a line of credit for my business. The business never received documentation and or loan information pertaining to repayment terms and interest rates and finance charges over the time of repayment. There was no contract executed and given a copy of to me the officer of the company, and now the company is trying to sue me personally stating I signed as a guarantor. There was no indication I ever was gon na be personally responsible and there was no documentation ever asked for basis of repayment for myself personally other than banking statements for the business. There is no account ever opened up on my personal credit report and I have been served by this company with a lawsuit in a state where I dont do any business and apparently this is the state where the company has operated from, in Virginia. I am a Florida resident and my business was a Florida based business, that has been corporately dissolved.
I been trying to get them to send me the original contract bearing my signature and their signature showing we have a contract showing I owe them money
I got my Auto loan about 3yrs ago, my finances have not been the best, I have fallen behind, my XXXX payment due on the XXXX I tried to have it paid before XXXX payment it did n't happen. I spoke with my son 's father who is out of state and he offered to both months and late fees to help me, prior I had made arrangements to have a payment taken out XXXX XXXX for my XXXX payment and again on XXXX XXXX for XXXX payment. I contacted wells Fargo before the XXXX to have both post dated payments stopped that my son 's father offered to pay them, spoke to a XXXX with WF Auto loan all was to be handled the payment for the XXXX was stopped but the XXXX XXXX was not it was kicked back non funds and a XXXX OD few was applied, then on the XXXX of XXXX again thwy put it through bringing my account to a negative XXXX. I went to WF bank and spoke to a banker, who also called WF Auto loan to see what he could do and was told they could n't do anything about it, they refused to reverse the payment or reimburse any fees, also stated there policy is to run the payment through 3times at that point it had been twice, already, they were told the funds were not there and they still said nothing we can do, l was current tell XXXX XXXX. Now what money I did put in my account XXXX they hate it up and left me XXXX in the negative as of XXXX XXXX and another debit to still take place by WF Auto loan dept, I am being held accountable to pay, I paid my payments caught up tell XXXX XXXX why are they being aloud to debit my account 3 times after it was cancelled a month prior, and my car payments are current. I been a Customer sense 2008 guess that holds no meaning I have endless accounts that they have switched me from it 's a mess I will NVR DEAL WITH THEM AGAIN AFTER THIS!!
I am an individual who is potentially impacted by the Equifax credit bureau leak. This comes as the result of gross negligence and makes me a risk for identity theft for the coming decades. 

Operating a system that was easily defeated, after storing my name, address, DL #, CC # and SSN in plain text is not only foolish, but dangerous and willfully negligent. In addition to this, the time delay of notification, as well as the corrupt affect checker is in serious breach of the law.
In XX/XX/XXXX, I took out a payday loan with CheckNGo, I had XXXX payments at {$260.00}, I received an email from them in XX/XX/XXXX, indicating my final payment would be due XX/XX/XXXX in the amount of {$250.00} ( see attached email ) From : Date : XX/XX/XXXX, XXXX XXXXTo : Subject : Final Payment_DuePlease do not respond to this email. To discuss your account please call XXXX or email us at XXXXXXXXThis is a reminder that your final installment payment is due on XX/XX/XXXX, in the amount of {$250.00}. The payment amount will be debited from your checking account on XX/XX/XXXX. 

In order to keep your account current, please be sure to have funds available.This electronic message and all content herein may contain confidential information. This information is intended for the addressee only. If you are not the addressee, or have received this e-mail in error, any disclosure, copy, distribution or use of the contents of this e-mail is strictly prohibited. If you have received this message in error, please notify the sender immediately by e-mail and delete the original message and all copies. Thank you. I am getting consistent calls stating I owe {$23.00} and some change. the young lady said it is daily interest. I called in XX/XX/XXXX for a balance and payoff for XX/XX/XXXX, and nothing was ever indicated about daily interest, nor the email attached. I lived up to my responsibility when I borrowed {$2600.00} and paid back {$6700.00}. I dispute this amount and want to know what I can do to stop those calls.
I have 3 items on my credit report that should be removed since it has been on there for 7 or more years. 
BAC Home Loans Services LP - XXXX 2007 Illinois Housing Development - XXXX 2007 ( on my report twice and both have been settled )
While viewing my credit report I seen Merchants Credit guide balance of {$230.00} & {$290.00} which I do not recall these two accounts or company.
The following address that appears on my Credit Report is not mine and never has been, please have it removed:XXXX XXXX CAXXXX
Starting XX/XX/XXXX from approximately XXXX to XXXX and again on XX/XX/XXXX from XXXX XXXX to XXXX I have been trying to reach Equifax via phone, email and on line to freeze my credit information stored by this company and to receive a credit report. I have been unable to get through. Either I get repeated error messages on line as well as no answer through their on-line chat service. By phone, I have experienced repeated busy signals, repeated automated answering loops, disconnections or messages that Equifax is unable to process my request. Via email I received a case number from the company and another email with two phones numbers. One to their security freeze department that is repeatedly busy and another listed as their personal information solutions department saying they are available between XXXX-XXXX est but when I called the automated message asked that I call during business hours. I placed the call at XXXX XXXX ( est ) on XX/XX/XXXX.
I received a notice from XXXX that a new account has been added. A company called transworld systems has put a XXXX debt on my credit. I 've never heard of them. I called them and informed them the debt was not mine. This company has NEVER contacted me in any way. On my report it says this account was opened in XXXX 2016. The listed creditor is not on my credit report anywhere. This debt is not mine.
This item is wrong and inaccurately reported on my report for a while now under different names, first started with XXXX, then XXXX XXXX and now it 's listed under XXXX. 
I 've contacted Equifax in writing and requested a permanent removal to this item since it does n't belong to me, the mailed me back that the item remains and they did n't include any proof to support their investigation or any proofs pairing signature that the item belongs to me. 
so, I contacted them again in writing requesting from them to provide a solid proof pairing my signature as proof of my ownership to this account, yet the failed to provide anything or documentation pairing my signature and they still stated the item remains on my report. 
XXXX wo n't give me any answers or access to learn about the account since it 's not mine. 
I 'm writing to CFPB today requesting to press a serious action against Equifax for their incompliance and violation of the FCRA, unless they are willfully give a fair investigation to this matter, provide any documentation pairing my signature or solid legal proof to my ownership to this account, and if they are n't able to provide any of the above then they should permanently delete this item off of my report with no reinsertion even if the same debt comes back with different entity collection. 

the collection or debt info is : XXXX/XXXX balance : {$1000.00}