WillisBack/dataset-financial-user-claim huggingface dataset:
This creditor/collection agency is re-aging this account as if it is new debt and is illegal under the FDCPA and the FCRA. The debt is much older and statute of limitations has elapsed on this debt. This company is showing this on all 3 of my credit bureaus as recent debt. 
This agency admits to getting the loan in XX/XX/XXXX. However, the delinquency was in XX/XX/XXXX. This is still reflecting on my credit report as XX/XX/XXXX, which is still violating FCRA and FDCPA.
The agency states the loan was done in XX/XX/XXXX. The original debt was created in XX/XX/XXXX, which is 7 years ago.  This exceeds the credit reporting timeline. The agency should provide my initial original loan application with my original signature. The agency continues to report inaccurate date and has yet to provide proof of debt. The agency continued to harass my with calls and threats to destroy my credit. The did not state who was the original creditor. It appears they did not care until I filed these complaints. 
I need to see a copy of this agency 's surety bond per the Texas Finance Code. In addition, XXXX was under investigation from a probe by the US Federal Reserve and Office of the Comptroller of the Currency found that there was " significant potential for unreported money laundering or XXXX financing, which they admitted and paid a fine. This debt is invalid due to it being associated with criminal activity. My initial loan was with XXXX it was not with XXXX XXXX. All documentation this agency continues to send it with XXXX XXXX. I have no application or contract with XXXX XXXX. This debt is not a valid debt as there was no mutual agreement with XXXX XXXX.
After my initial complaint against XXXX  the result was still still not verified they keep saying the account Sentry Recovery & Collection has been verified the company has failed to respond to me under the FDCPA and XXXX  has failed under section 609 ( a ) ( 1 ) ( A ) so this has gone far enough class action lawsuit will begin on XX/XX/2019 if not resolved
I have been regularly making an online payment of {$40.00} a month to ACS Education Services for a number of years. However, when I went to make myXX/XX/XXXX payment I could not access the website using my regular login information, instead getting an error message saying that my information was " incorrect, '' which it was not. I tried multiple times at various times of day over the course of the next weeks to login to the system. Eventually I even tried resetting my login information but when I would do that I would get yet another error message. I also tried calling into the ACS directly, but would be left waiting for a representative to answer the phone so long that I would have to move on with my work. Finally, on XX/XX/XXXX, I called the company again, this time waiting over 30 minutes for someone to answer the phone. When a rep finally answered I was told that, yes, there was an ongoing issue with their system and it would only work with certain browsers. This was something the company clearly knew was an issue, yet there was no indication anywhere on the site that it could only be accessed with particular browsers ( which in all the previous years I 'd used the site had never been the case, thus it never did occur to me that this might be the problem -- I thought the issue had something to do with my login credentials specifically ). I was ultimately able to login using XXXX. I asked the rep during my call if I was going to have any late penalties because of this issue and she assured me that I did not and would not. I paid my bill in full that day. However, I recently learned that on XX/XX/XXXX, the day before I finally was able to reach an ACS representative, my accounts were reported as delinquent to the credit bureau. I have worked very hard for years on my credit and I currently do not have any other delinquencies on my credit report other than the two that have been assessed for the accounts I have with ACS, which amount to {$40.00} in total. Thus I now have two adverse accounts, the only two I have, that will be on my credit report for 7 years essentially because I could not login into the website -- a problem the company knew about but did not bother to make customers aware of -- and because, due to my work schedule and inordinately long wait times to speak with customer service at ACS, I ended up paying one day after the accounts were reported. After reviewing my credit report, I did try contacting ACS again on XX/XX/XXXX, and after again waiting more than 20 minutes to speak with someone, was told by the representative that there was nothing to be done.
Student Loan lender have multiple duplication of accounts illegally blocking me the consumer from qualifying for refinancing student loan with a reputable lending institution available to me as a consumer. The lender have duplicated these entries over 30 times duplicated on my credit files.They continue to circumvent by stating they have responded to the consumers complaint. What they are doing is strategically selecting one account out of 10 and addressing one and leaving the 9 remaining. The rules say that multiple creditor of the same account should be listed on any consumers credit files. Here 's a list of duplication that do not own the loans. When these loan because due after graduation the creditor only alerted me after the loan was delinquent several months. This I believe is leverage tactic by the lenders to further damage my creditworthiness. All information reporting on the loans below are injurious to my family life and some of these have been added to my parents.
I received a debt collection notice dated XX/XX/XXXX on this day of XX/XX/XXXX. My last date of residency for this account was XX/XX/XXXX. When we vacated the residence, we left behind a full month 's rent as a security deposit, a {$0.00} balance due for rent, a forwarding address ( which is current ), two current telephone numbers, and both of our email addresses if the company needed to contact us for any reason. Since this date, our family has not received contact by mail, phone, or email from the leasing office indicating that there was a balanced owed. The debt collection agency, known as XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX, OH XXXX is claiming we owe {$630.00} to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX. Again, we have not been contacted regarding any balance owed or damage inspected at our residence since we vacated.
I had someone begin phone service in my name fraudulently in Arkansas despite me having never lived in Arkansas and only driven though it. I disputed the account with XXXX  and XXXX  over this. One immediately removed it from my credit report. The other I filed a complaint through your agency and it got removed. 

I didn't realize it was on my Experian report as well until I went and bought a car. I tried to dispute through them as well and they refused to remove it. They told me I needed to file a report with the police in the town where the event occurred. It turns out I need to physically go to Arkansas to file a report, something that is beyond my ability to do both time wise and financially. I explained to Experian and they refused to do anything. 

Thus I am filing a complaint. This is an attempt to have a collection removed from my credit report with Experian that was created due to fraud. 

The report number through Experian is XXXX Please let me know of any more information I need to provide in this matter and I will provide it if I am able. Thank you.
My lender will not work with me in any way to make income contingent payments. My monthly loan payment costs more my wages for had of the month. This is causing undue burden on my family and making a living impossible.
the company general revenue corp is currenty reporting a collection account on my credit file that i have no knowledge of. I was never sent a DV before they decided to report on my credit file. This is not my account and i do n't know why they are reporting this debt on my credit file
I got a report from XXXX XXXX my school loan increased {$800.00}. I have auto payments. I pay $ XXXX  monthly. Got a report it increase {$800.00}. No notification why.
I was in school for a long time. I received an XXXX degree and wanted to further my education. I went on and received a XXXX degree and then went on to receive my XXXX which again had another XXXX within the program. I owe XXXX in debt XXXX for federal loans and XXXX private loans. I should have not finished college. One of my private loans I had to make payments while I was in school. During this time my husband lost his job. So I was in a program which then I had to take private loans to manage everything. My last semester I was considered part time and My loans all became due. I had to take a test to get my licensed to get a good job and it took me about 4 months by then I had XXXX judgement and most of my loans were sold. So when I finally got out and was licensed I had no idea where all my loans were. I had XXXX with AES and I asked them to give me one payment. They would not do this I had several payments everywhere I was so far behind just getting out I only paid a few of them. Now I had that judgement from educap which they sold my loan to a attorneys office. It has been 5 years almost and they just now garnished my wage. I also same time now have another XXXX National Collegiate sold to attorney and they are garnishing my wage I do n't know what to do I am unable to consolidate due to my credit score. I am considering bankruptcy. However, I have spoke with XXXX diff attorneys and received XXXX different scenerios. Please help. XXXX XXXX,
According to the lawsuit there are to 2 CREDITORS There 's XXXX XXXX XXXX & BLITT AND GAINES , P.C . I do n't know who the DEBT originated from. I only get XXXX hours with XXXX 'S with a wage of only {$9.00} per hour! I never worked for XXXX XXXX XXXX, Also XXXX XXXX XXXX & BLITT AND GAINES. P.C. is asking to me to pay {$6800.00}! That 's equivalent of earning {$4.00} per hour! I pay an AUTO LOAN about {$450.00} per month. So that 's $ XXXX- {$450.00} per month and the leftover is {$390.00} per month or Annual Salary of {$4600.00}. Since this is my livelihood is {$4600.00} per year ; I will get a negative balance of {$4600.00} - $ XXXX= -XXXX! I ca n't pay the $ ( -XXXX ) since I am negative!
Just now finding out about this bill, My wife who is XXXX XXXX and always had XXXX problems since youth, evidently got a credit card in my and her name and made charges, during a XXXX XXXX. Since then she has hid the bills and kept the phone, with the ringer cut off, never wanting me to use it ... constantly deleting messages. She stayed so upset, she tried not to let me know because part of her problem was she suffered from XXXX XXXX, because she constantly worried me and had hurt me before during her episodes. Her XXXX XXXX in the mornings were often over XXXX XXXX, and she clutched the phone deleting numbers and messages. Last Tuesday evening She literally left went to the nearest city and got on a bus to XXXX Arizona ... I have not heard from her in 7 days and feel she is in possible danger. She is one of the sweetest people I have ever known, even with all her problems. She was a person who could not tell the truth because she felt so excessively. I did not question her because it has in the past trigger episodes, she has been under Doctors care for year, including XXXX care. This evening I get home and see the phone completely fill with their calls and messages ... .and I see why she left, her state was so bad her life had become endangered. If she had n't left she would have died from XXXX. I am ashamed to think there are humans on this planet so hungry over a dollar. This bill was unknown by by me and now it will be paid, I have never really needed credit and have never charged anything on a card that could'nt be paid off in full by the end of the month.
I received a letter from Credit Collection Services for an auto insurance debt with XXXX XXXX. I explained to both Credit Collection Services & XXXX that this was not my debt, I had no knowledge of this, nor did I consent to be added to this insurance policy. I also explained that this was my soon to be ex-husband 's debt & we are going through a divorce. I explained that we have been separated and living apart for more than a year & we have two separate addresses ( two separate states ). I followed up the phone call with a letter on XXXX XXXX, 2017. This issue is still unresolved and XXXX continues to try to collect money for this debt from me. I have also reported this incident to the XXXX County Sheriff 's office in XXXX MD who told me that there was nothing they could do. They also told me " this is a civil matter and that its not against the law to use a spouse 's information to get credit or open accounts without their consent ''. This is not only affecting my credit but putting my job ( security clearance ) in jeopardy.
I am a victim of identity theft. Someone stole and used my personal information and got a state drivers license with my picture on the license and a date of birth of XX/XX/XXXX to open up a U.S. Bank Visa/XXXX credit card account. I was incarcerated and I never applied for a U.S. Bank credit card. The account was opened up fraudulently and unauthorized.
In XX/XX/XXXX I contacted Direct Express about charges that I did not make. I opened a fraud case XX/XX/XXXX. I sent all the documents that Direct Express asked for in the allotted time frame.
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I received a letter from Direct Express on XX/XX/XXXX saying that my claim had been processed and deemed a fraud and the funds were returned to my account.
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On XX/XX/XXXX three debit adjustments are in my transaction history. My account is in the negative XXXX  This is because one of the merchants is fighting the fraudulent charge. A young lady on what you call the second tier of customer service told me that my case was reopened and that they did n't need to notify me.
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I asked when I would receive another determination the young lady told me that they do n't have to send me anything to tell me about the funds being removed.
This is an ongoing problem : Previous case # ( s ) XXXX & XXXX. 
Attached are documents from Fay Servicing, who are the new mortgage service company for my loan. Transfer of service was on XX/XX/XXXX from XXXX. Ever since XXXX took over the loan back in XX/XX/XXXX, constant problems have continued as stated in previous cases aforementioned. According to XXXX, I am in arrears by XXXX month payments. Attached are copies of recent statements and XXXX ( XXXX ) months of canceled checks. 
The second issue is with flood insurance. Fay insist I have no flood insurance when in fact XXXX letter confirms the coverage. 
Third : XXXX and Fay have been including escrow fees and as stated in A letter dated XX/XX/XXXX, the account is non escrow. 
I want this account corrected and all escrow, insurance late fees etc monies refunded. 
This is also is causing a negative effect my credit score Please HELP!
Hi : I have a UPromise Master card which i used for a balance transfer on XX/XX/2016 for XXXX USD. Upromise made the balance transfer fine and i received money to my other account. But, they made another duplicate transaction to a not valid credit card and charged me XXXX $ for the balance transfer and XXXX $ for the transfer fee.
On XX/XX/18 called Navient to attempt to reduce my monthly payment. My usual monthly payment was about {$320.00} a month. I could no longer afford to pay it so I called to lower the payment. When I called there are two different Navients. There is the Navient that handles account information and the Navient that handles the transactions. No matter what the call is about the 1st Navient always has to transfer to a second Navient to handle any transaction, which the first Navient is always unaware of, or can't see any of the information the 2nd Navient does.

So I proceed to speak to a representative from the 1st Navient. After requesting to lower the payment, they transfer me to the 2nd Navient. The 2nd Navient representative goes through the financial process and they were able to reduce the payment to {$220.00} per month for 9 months on automatic payments. I asked if they could lower it to {$200.00}. The representative said no, that's the lowest they could go. I continued to ask about if I made a monthly payment a few days earlier than the due date would that settle the payment for that month. The representative told me no, it would be added towards the principal balance. ( The is the first time I have ever heard of a company that sets up automatic payments and does not allow a customer to pay early and still initiate an automatic payment for that same period. ) Ok so I rolled with it and the payment plan was processed. I finished with the representative and was waiting for my confirmation. The 2nd Navient representative said he was emailing the confirmation. I waited about 10 minutes and the representative said that I should receive an email in a few minutes and he got me off the phone. I waited and nothing came. I waited 24 hrs and called back on XX/XX/18.

I called back the 1st Navient requesting the confirmation to the payment plan and again was transferred to the 2nd Navient. The 1st Navient had no idea what I was talking about and had no information on the transaction. After being connected to the 2nd Navient I was shocked. The 2nd Navient representative told me I wasn't approved. I asked how could that be when 24hrs before I was approved by the same 2nd Navient. They said I wasn't approved based on my credit. I was never made aware that there was a credit check involved. There was no indication by the previous representative on the XX/XX/XXXX, that there was a credit check, nor did I approve Navient to run my credit for this process. 

So the representative proceeded to tell me that they were sorry and I had to pay the entire balance for that month. ( $ XXXX+ ) I told them I couldn't afford it and would not be able to make the payment. They said I could afford. After pleading, the 2nd Navient representative told me that they could lower the monthly payment to {$200.00} only if I would extend my loan for 8 years at % 4 interest. In was furious. Extending the loan 8yrs at 4 % interest would add about a third of the loan on top of what I owe. When I asked the previous call to pay {$200.00}, I was told no. Now that they figured a way to entrap me, they expect me to agree to the worst terms.
I called your agency to inquire about possible payment plans and settlements available to me in regards to the unpaid debt. I was very professional and I explained my situation to the agent as to the reason why I had not paid the bill. 

The agency started off professional but the changed once I started asking additional questions about possible payment arrangement/settlements. When I did n't agree to what she was saying she started to get very forceful and aggressive trying to bully me into making a payment. I let her know that I was a collection manager and that I know we could make other arrangements instead of the five year agreement she tried to get me to sign. She refused saying that 's not possible now. She continued to become more harassing. 

She stated she was going to tell your agency that I was refusing to make a payment. I told her no I did not say that I was simply trying to see what I was going to do. She continued to lay into me stating make a payment sarcastically, then she stating you are not going to make a payment, you have not made payment in five years. I replied to the agent I was going to make a payment and before I could finish what I was saying she cut me off. 

I advised the agent that I was going to end the telephone call because I was not going to continue to let her speak to me in that manner. I do n't know what type of business you are running but her agent is violating the Fair Debt Credit Laws. A copy of this letter will be forwarded to them in regards to this matter. 

I called you because I know I owe the money and I am currently paying off other debts. My intention was to work towards paying this one. Your company is the rudest company I ever worked with and I would not use your company at my bank. I will make sure that I spread the word. You do n't have to be rude to people because the owe money ; thing happen and people are placed in certain situations ; in most cases it 's out of their control. As a collector, your agents should understand that and become better listeners than screamers.
I once again have received XXXX letters on the same day from Equifax, telling that my address has been changed from new address back to the old address ( 4.5 years ago ), and the other letter, says that my new address has been changed from the old address. I 've scanned these letters.
I have received numerous phone calls on my cell phone and home phone from the following phone numbers XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX among many, many others! Upon researching these numbers I found that they belong to Portfolio Recovery Associates, XXXX XXXX, and XXXX XXXX XXXX. They never leave messages. They just continue to call from different numbers to deceive people into answering their calls. I have no idea why they would be calling. When you call the numbers back you are placed on hold forever.
I have been a member of USAA for 18 years. I received a letter today dated XX/XX/XXXX that my credit has been lowered to {$7100.00} on XX/XX/XXXX. The decrease is based on my credit score which they stated is XXXX. I make over $ XXXX a year and have other credit cards with balance and make monthly payments and have a great payment history but what USAA is doing is harming my credit abilities and damaging my credit since by lowering my credit limit from {$12000.00} to XXXX with a credit balance of {$6600.00}, my account now show I have a high balance which will now impact my credit score even more. I have been in the process of paying off this card for several months and not using it. I believe because I have only been paying the credit and not using the card this is why my credit has been lowered. Also, if I was such a bad customer then why every time I receive my statement it show that I do not need to make a payment. Well it is because USAA wants me to continue to drive up my balance and for them to make money off the interest. This company is breaching my fair credit abilities along with damaging my financial abilities and potential further job opportunities as a result of them lowering my available credit and hindering my credit score. This practice must be stopped and I feel they are breaking fair credit laws as well as fair lending. 
When I spoke to a representative on XX/XX/XXXX, she was unable to even tell me what my previous credit limit was and was extremely unhelpful. She couldn't even help me find my statement on the website.
Attempted to place a freeze on my credit with Experian. Made numerous attempts on their web site and phone. Placed on hold for long periods of time only to be transferred and then hung up on. Ultimately the freeze did not happen. Their only other option to initiate the freeze is to send a lot of my personal information through the mail which if in the wrong hands will only expose my identity to more risk. The other agencies made it easy to place freezes.