WillisBack/dataset-financial-user-claim huggingface dataset:
Account Control Technologies ( ACT ) contacted me several months ago in reference to my student loan debt via telephone. I repeatedly asked during the phone call to be sent information detailing the acquisition of control over this debt, and was repeatedly told that they could n't send me any information, that it was up to me to contact the XXXX. My tax refund was recently seized by ACT, and when I contacted the XXXX I was told that they could n't give me information about the debt, and that ACT was the only XXXX to speak with. I was told that this payment was made to them almost a week ago, and I have received no paperwork from any agency of any kind ( public or private, state or federal ) relating to the seizure of my entire federal income tax return. I need to know how I can rectify this situation that is rapidly spiraling out of control.
I leased a 2015 XXXX XXXX in XXXX 2015. The dealer provided financing through Kia Motors Finance ( KMFUSA.com ). I received a XXXX statement in the last week of the month with a due date of XXXX XXXX and promptly paid it. As with all credit accounts, I expect a monthly paper statement to show transactions, interest, etc. and make the next due payment with a personal check via XXXX. I did not receive a XXXX statement for the XXXX. XXXX due date. Without the statement reminder, I did not make a payment. Later in the month they called to complain the account was delinquent and confirmed their system never issued a monthly statement. I offered to make the account whole by providing a credit card payment via phone. They said they could not accept that form of payment, but I could give them a debit card, or my checking account data. I do not own a debit card and do not carry my checkbook with me. I mailed a payment on XXXX. XXXX. On XXXX. XXXX, a XXXX. statement arrived with an XX/XX/XXXX due date. That payment went in the mail the next day. But I did not recognize a {$20.00} late fee or pay it. When contacted, the KMFUSA said that I should have known by the terms of my lease that a payment is due every month on the XXXX and it should be made whether I get a statement or not! That 's XXXX poor customer service. As a best business practice what financing arm expects payments every month without delivering statements?!?!? Is there any consumer financial protection that they are required to provide a statement so I can tear off the remittance coupon, include my check and mail it back to them?
On XX/XX/XXXX I tried to dispute two fraudulent accounts reported on my Equifax credit report by a company called XXXX. Equifax denied my request to directly dispute these accounts with them. XXXX is fraudulently reporting payment activity to the accounts in an attempt to commit fraud and circumvent federal and state laws. Equifax is complacent in XXXX criminal activity. No payments have been made to these accounts ever! In XXXX I disputed them directly with XXXX   and they ignored me. Equifax is obligated under the law to allow me to dispute inaccuracies to my credit report and investigate my claims but is refusing to allow me to do so.
the credit agency XXXX and Transunion are reporting a Federal Tax Lien in XXXX County showing a balance of {$33000.00}. This Tax Lien is included in our Chapter! XXXX bankruptcy and has been discharged. It is not showing in discharged in bankruptcy with a zero balance.
Capital One Bank account # XXXX was Opened XX/XX/2007 with a Credit Limit of {$3000.00} this account is over 10 years old and Capital One still report to my credit. Please stop reporting this account to my credit report, account too old.
I have been writing to Experian and XXXX since XX/XX/2017 regarding a CC bill from XXXX XXXX. The last collector for their account was XXXX XXXX I have gotten a letter from them stating that due to the information that I have sent them they have closed the account but Experian and XXXX still refuse to remove the charge from my credit report.
XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Equifax XXXX XXXX To whom it may concern this is my final warning before I take legal actions. Ive won a lawsuit against your company in the past for placing incorrect information on my credit report without my consent. 

I am disturbed that you continue to list a dismissed file bankruptcy as confirmed. I am aware that you receive your information from a third party verification system known as a pacer System. This system is sometimes inaccurate because of the limitations of providing a complete social security number. Although it is your policy to keep reporting bankruptcy that is filed dismissed or adjudicated for 10 years, The Fair Credit Reporting Act mentions nothing in section 1681 ( c ) relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order for relief. Any case civil or otherwise which is dismissed no longer exists in the eyes of the law and the case file may have never been adjudicated. You have no right to obtain information which the government had deemed non existent. It is only fair that in accordance with section 1681 ( a ) of The Fair Credit Reporting Act you delete this from my credit report and send me an updated copy considering it does not require an investigation i would appreciate your response within two weeks from the date you receive this letter. 

Sincerely XXXX XXXX
A family member who asked me to put their bank account in my name has racked up {$610.00} in overdraft fees. They are currently not able to pay because they are XXXX. Ive tried to schedule payments to pay this, but I still cant find a way out.
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
I contacted XXXX on XX/XX/XXXX and I explained to them in full detail that my home was in foreclosure and my sale date was scheduled for XX/XX/XXXX ... .I told them that I wanted to keep my home. I paid them {$2200.00} in XX/XX/XXXX ( drafted from my account ) for them to either stop the sale date or put it on hold to work out a loan modification plan. I was notified on XX/XX/XXXX that my home sold on XX/XX/XXXX and then they took another {$500.00} from my account in XX/XX/XXXX and stated they would try to have the foreclosure rescinded or get me cash for keys or a rent back option or they would file a consumer financial protection bureau complaint against them. Whenever I try to call or email or leave a voicemail with several individuals within this company ... .no one will contact me. No one EVER answers their phone, they have an answering service who ALWAYS transfers your call to a voicemail. No one responds to emails or voicemails until after it's too late. I have since closed my bank account to prevent them from drafting more money from it. To my surprise, I got a phone call from someone in the accounting department from XXXX today ( XX/XX/XXXX ) stating that my payment wasn't received ... .I explained to the gentleman all of my frustrations and told him that I would NOT pay them another dime for anything and he hung up on me. This company is a crook! I am currently 2 months into the 6 month redemption period of my foreclosed home ... ..I want some legitimate help redeeming my home! I want this company stopped once and for all and I want my {$2700.00} back please.
In XX/XX/2018, I sent a letter to XXXX regarding the inaccurate entry they had apparently placed on my credit reports. My dispute was with the validity of the account entry as it was reflected on my credit reports. I specifically requested that they provide : An agreement that states your authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor Alleged account number Date this alleged debt became payable Original delinquency date Verification that this debt was assigned or sold to collector Complete accounting of alleged debt Name and address of the bonding agent for collection agency in case legal action becomes necessary XXXX  responded with a letter dated XX/XX/2018 ( see attached ) stating they were providing the itemized statement. The statement presented lacks veracity ; it is merely printed/generated from a computer and does not provide the financial responsibility page, a copy of my signature with the alleged provider of service to release my alleged medical information to them, nor did they cease any reporting with the credit bureaus while this item was disputed or until the alleged debt had been verified by me. 

Further, XXXX did not provide a general ledger of the account or the complete accounting of the alleged debt. Lastly, they did not provide that they are able to collect debts in the state of Texas ; hence the reason I requested the name and address of the bonding agent for them in case legal action becomes necessary. 

I have never did any business with XXXX nor have I ever signed any contracts with them. This inaccurate, erroneous, unverifiable entry must be deleted immediately from my credit reports.
Please reference closed complaint  XXXX . This complaint should not have been closed. I am submitting another complaint based on the closed complaint because Chase Bank is lying. They have a record of my account in question and they are fully aware of the issue. Please see the reference below.  <P/> Chase Bank claims they have no record of this credit card account. Here is  the Chase Visa cre dit card account number they claim does not exist :  XXXX . I requested this credit card account be closed effective  XXXX     2015 in  an effort to protect my own finances since Chase Bank had no interest in protecting me from this fraudulent vendor.  <P/> Just to ensure you understand that Chase is fully aware of this issue, Chase Bank sent me a letter dated  X/X/2015    fro m CardMember Services,   XXXX   XXXX   XXXX ,  XXXX , DE  XXXX , signed by  XXXX   XXXX , Customer Service Specialist. The letter stated that Chase Bank was rejecting for refund of fraudulent charges fin the amount of {$10000.00} paid to  XXXX   XXXX  posted to this credit card  XXXX   XXXX ,  2015. I qu ote the letter as follows : " When we contacted the merchant to obtain a credit for your accot, they explained that they would not provide a credit because their cancellation policy advises at the time of sale. They also advised that the policy was " non refundable or non cacellable '' at the time of the sales. '' The vendor 's statement is totally untrue. I provided copies of the signed contracts to Chase Bank stating that there is a right to cancel and a full refund is provided.  XXXX   XXXX  has fulfilled nothing as promised . Chase has  to know that  XXXX   XXXX  is a scam company, as I stated in the previous complaint.
The company is sunset Finance company located in XXXX Georgia a lady named XXXX that works there has repeatedly called my job I work on the XXXX installation and I have let them know that I can not receive personal calls on that line they've called my manager several times after I've asked them not to. My manager will give a statement supporting This complaint. I fell behind in my payments I offered to make a small payment she refused to accept anything less then what was Their minimum payment. So this morning XX/XX/2018 at XXXX XXXXXXXX a sunset finance Employee by the name of XXXX XXXX my doorbell unaware that my doorbell was recording because I have the ring security system he Came to demand payment at my residents I live in a gated community he went to the rental office Falsely identified his self in order to Gain access through the gate. He had no court order he had no officer with him And the recording shows me speaking with XXXX on the phone with XXXX there and her refusing payment also refusing payment over the phone due to the amount she feels as though i should have to give. other what i can actually afford. I am a single mother this company had absolutely no right to send some strange man to my house regardless Of the Debt I owe to this company The conversation in the hallway Lead to my privacy being violated this company should not be allowed to do this to people It was a personal loan he is not a repo man there is nothing for him to repossess any collateral I may have put down on that paper for the loan would have to come with the court order in which he did not possess. And I will be taking a restraining order out on XXXX and sunset finance company. If a company refuses any payment on a debt Then I no longer owe a debt. i was late for work and to be honest now days with things the way they are strange men should not be popping up unannounced at anyone 's home. This to is a problem.
Original Message : Because I received a settlement because of my mortgage mishandling, I 'm just wondering why my credit is still reflecting negatively when you I was advised incorrectly for years and you admitted to it. I am requesting that you removed all the negative remarks on my credit. 
Bank of America Message : Dear XXXX XXXX : Thank you for your Internet inquiry addressed to the Customer Service Department pertaining to your mortgage question. 
Please review the settlement letter you received with your settlement payment, there is a wealth of information about the settlement related to your specific mortgage. You are encouraged to contact the credit reporting bureaus directly with your loan 's information, and submit any corrections you feel are warranted for their review. 

Thank you for communicating with us electronically ; we appreciate the opportunity to be of assistance.
Sent a written request to experian Experian responded stating- we will not reinvestigate the items you requested
I received a voice mail on XX/XX/XXXX from XXXX XXXX stating that she is coming to my place of employment, will speak with someone to find out what time I will be in, then she is coming to my home and she will get in contact with one of my relatives. In this voice mail she never stated what company she represented and I take this type of voice mail as a threat.
The Bank of America will not allow my daughter to be a co-trustee on a checking account.
I checked my credit report and there was a collection on it. I disputed I, 2 months later I received a letter from XXXX that states it is verified as accurate.. I do not have a XXXX account. I did not open any accounts placed in collections X/XX/2017. No verification was sent to me on how this account is valid. No signatures, no statements. If I did have a XXXX account, I ca n't find record of it on my old credit reports, it was deleted and past 7 year statutes of limitations. I wrote and mailed a letter to the collection agency jh portfolio, stating this information is false, does not belong to me, no written verification was sent to me prior to it being reported on my credit report, and if it was my account it is past the 7yr limit and was already dropped off and to please take it off my credit report. It is still on it and XXXX verified it as accurate? How? No paperwork, no proof, no anything. If not dropped I intend to sue for damages.
Professional Account Services keeps calling me and will not even tell me why. I know they are a debt collector for medical bills. I do not have any medical bills. They call and have asked for my social security number to identify myself, even though they called me! When I refuse, they then ask for my birthdate - which I wont give them either since I wo n't give any personal information to a stranger on the phone who wo n't say why they are calling. I 've asked them to send something in the mail and I will respond if it is legitimate, maybe a doctor I 've seen. But after a month of my requesting this, they do not send anything stating if I even have a debt. This company has the power to ruin my credit if they are really trying to collect a debt ( there is n't XXXX ), or even if it is a mistake. This seems a wholly illegal way to handle this. they call from XXXX.
I chose to close a secured credit card account with Capital One in XXXX. I was informed at the time that it would take 2 billing cycles before I would receive my deposit as they would need to apply any subsequent charges to the deposit balance. As of XXXX there was a balance remaining of {$150.00} and this has not changed as of today ( XXXX ). 
I attempted to contact Capital One to inquire about the status of my deposit and was transferred to two different departments before being given the same information ( about the 2 billing cycles ) and that there was no further information they could provide at thisi time. This is unacceptable and I am being given the runaround in hopes that I give up and leave my remaining balance with Capital One to do as they please.
Was not offered by my loan provider ( Navient ) income-driven repayment plans and instead of that kept me to choose a forbearance instead which has hurt not only my status of my student loans but the whole idea of student loans and the process in which i barrow.
There appears to be a couple fradulent accounts that were opened at a previous address of mine. Ive constantly contacted the companies as well as contacted my local police department. It was XXXX XXXX opened XX/XX/2015 with a balance of {$2900.00}. Also, a XXXX XXXX account opened XX/XX/2015 with a balance of {$450.00}. Theres also a XXXX account showing in collections with No balance which doesnt even make sense
Royal United Mortgage contacted me ( by phone ) and we discussed a Re-fi with cash out on a home that is in my name, but my son lives there and make the pymts. I explained I wanted his name along with mine on the new mortgage, so I was told 'no problem ' .After taking my personal info. and asked to forward my income tax for 2 yrs., I can no longer make contact with XXXX , assit.AVP of Lending XXXX w/Royal United Mortg . Does not return calls, plus I have found that it is not even possible for that type of loan to be done in Texas. So I am not sure what damage I have endured as yet, I know she has a lot of my personal info.
Dear XXXX, I am requesting that both of my Capital One accounts be re-opened. Due to the loss of my mother and loss of job with my daughter the cards were over the limit, past due in payments because of my family crisis. The credit card company took it upon themselves to close my accounts, yet demand payment. Now that we can attempt to get back on our feet-we are requesting the cards get reactivated, and report both accounts as " OPEN '' on my credit report. If I am still committed to assume payments on the bills at least I will gain credit by Capital One reporting as NOW paying as agreed. Previous payments were made ontime, our lack of payment, and overages were simply due to my mother 's illness then finally her passing. It has been so hard trying to pay everyone, and keep a roof over our heads as well. Please mediate for us that Capital One will re-consider re-opening my accounts. We want to continue to make payments on-time and continue to build a healthy bussiness/customer relationship in the future. Lastly, we were told that a return check was a reason why the account was closed-we had so much going on with planning of funeral and burial with mom-it is hard for us to track down anything-they may have been a payment automatically to be collected out of my Capital one checking account-and in all the XXXX and XXXX going on, we forgot to follow up on the transactions-still we find that is no reason to close an account when previously the payments were made on time, and we received several increases on both accounts. We made several attempts to communicate with Capital One- we were faced with customer services representatives who had communication barriers which we could not understand XXXX were they able to access our problem to give real clear answers. We were told different answers as to why the accounts were closed-as though we were committing fraud, which that is totally ridiculous.
Mr. Cooper Mortgage company was renamed from NationStar Mortgage LLC XX/XX/XXXX.

Nation Star Mortgage LLC had paid my correct Property Taxes since XX/XX/XXXX.

My Property Taxes were not paid from my escrow account to the City of XXXX NH on the two dates : XX/XX/XXXX and XX/XX/XXXX. However, Mr Cooper paid from my escrow account to the City of XXXX NH on the above dates to an incorrect Property ID located in the same city. The incorrect dispersment to the wrong Property from my escrow account : XX/XX/XXXX ( {$160000.00} ) and XX/XX/XXXX ( {$1600.00} ) Mr Cooper had evaluated my Escrow account XX/XX/XXXX that my taxes had decreased of which I disputed by the Tax bill I had received from the city - I did email/faxed them the tax bill again.

I received a Notice of Tax Delinquencies and Unredeemed Tax Liens XX/XX/XXXX.

The Taxes owed on my Property are : XX/XX/XXXX ( ' {$2600.00} ) and XX/XX/XXXX ( {$2600.00} ) I called Mr Cooper customer service XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - spoke to multiple agents, faxed & emailed documents ( including Tax Bill, Notice of Tax Deliquency letter, past tax bills, Print out of Taxes owed from City of XXXX ) The agents reported to me that the Property ID number they had was correct, the tax department had spoken to the City of XXXX tax office to confirm they were correct.

It wasn't until XX/XX/XXXX that Agent XXXX gave me the Property ID number which was incorrect as reported on my Tax Bill ( and all previous Tax Bills ).

Mr Cooper mortgage statement XX/XX/XXXX made a second payment to the incorrect Property ID number after the many phone calls to Customer service agents to resolve this.

I spoke with agent XXXX onXX/XX/XXXX and XX/XX/XXXX about this incorrect ( error payment ) from my escrow account - he said that I had to prove the Property ID number on my tax bill by emailing the attached Tax bill and past bills ( as far back as I had them ).

As of today, XX/XX/XXXX - I spoke with agent/XXXX no resolution of this Escrow error ( payment to the wrong Property ID twice ) has been resolved.

XX/XX/XXXX, I faxed the documents ( Letter of Tax Deliquency, Tax Bill, Property Record Card, and other documents ) to the Complaint department & the Tax Processing Department. I have also mailed copies to each of the above departments.