WillisBack/dataset-financial-user-claim huggingface dataset:
Account is for XXXX XXXX account # XXXX. This account is not mine. Account belongs to XXXX XXXX and is XXXX years old. I hired an attorney for this. A certified mail letter was sent to XXXX XXXX asking for validation of the account. The USPS Track # XXXX XXXX XXXX XXXX XXXX was delivered on XXXX XXXX, XXXX at XXXX XXXX. XXXX XXXX failed to respond to the validation request. Twice since then, once in XXXX and once in XXXX, XXXX XXXX continued their collection activity by updating the account to XXXX as being accurate when I disputed the account through XXXX. When I called XXXX XXXX, they told me the account was being handled by an attorney and gave me the local attorney 's phone number. When I called the attorney, they said they no longer have the account - that the account has been returned to XXXX XXXX. For 3 days I have spent XXXX hours a day on the phone with XXXX XXXX and no one can help me clear this up. I can not even find a representative of XXXX XXXX who is willing to talk to me about the account. Every representative of Asset Acceptance I get on the phone says that I must speak to someone else and I can NEVER anyone who is " authorized '' to speak about the account. 

Bottom line is they will not or can not validate the account. It is not mine AND it is over 7 years old and they will not cease reporting to the credit bureaus! 
I am demanding that they immediately remove this account from the XXXX Credit Bureau. 

XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Social XXXX DOB : XXXX/XXXX/XXXX XXXXXXXXXXXX
Back in XXXX of 2015 I wrote my daughter a {$50.00} check to give to her friend XXXX to pay for parking permit at college. Her friend XXXX lost the check and an unauthorized recipient found the lost check and changed the amount from {$50.00} to {$3500.00} and changed the name on the check from XXXX XXXX to Essence XXXX XXXX. This person deposited the money through mobile banking app for Bank XXXX XXXX. I bank with Regions and they have acknowledge that it was check fraud but they refuse to give me my money back while Bank XXXX XXXX investigates. This have been going on for over a month, my dispute with Regions Bank and today they told me it would take 90 more days until the investigation ends. Every time I go up to Regions they are always making excuses and telling me its going to take a bit longer. First they told me I would get my money back within 3-7 business days, then told me 14 days, now they are saying 90 days. I should have received my money within the first week when I filed check fraud with Regions Bank.
Three months ago, Bank Of America started charging me {$25.00} a month on my checking account. This happened right after they issued me a new credit card claiming a vendor was hacked with credit card information. Thank you.
I am forming a complaint against both companies Mariner Finance and XXXX. In XX/XX/XXXX I became late with my Mariner Finance loan. A letter was sent to my home in XX/XX/XXXX from Mariner Finance in reference to them taking me to court on default of my loan. 
On XX/XX/XXXX, I went into my local Mariner Finance office located at : where I made a payment of {$210.00} which included my XX/XX/XXXX and XX/XX/XXXX payment. I spoke with a female customer rep that handles court judgments ( I believe her name was XXXX or XXXX, whomever handles judgment accounts ). I signed paperwork that removed the court filing and made me agree to on time payments going forward. At that time I was told the judgment and collection information would be removed from my account in 30days. A month later XX/XX/XXXX my XXXX and XXXX  still showed the account was closed and no payments was shown received. I called Mariner Finance the local branch that handles my account again and told them that my account was still showing closed, they told me my account was not closed and suggested I send my the credit reporting companies my payment history. On XX/XX/XXXX I sent XXXX my payment histories printed from my online account history to dispute the inaccuracy that my account was showing which was an inaccurate account balance, no payments showing since XX/XX/XXXX and that my account was not closed/collections as being reported. I also called Mariner Finance Customer Service on XX/XX/XXXX at ( XXXX ) XXXX ) I spoke with a female Customer Rep by the name of XXXX. I asked her if my account was closed she confirmed it was not. I told her the issue I was having with my credit reports showing my account was closed and not reporting payments or accurate balance. She told me to fax over my credit report to fax ( XXXX ) -XXXX so that she can see how it was reporting. Once we hung up 10 minutes later she called me back and stated she called the local Mariner Finance office at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MD ( XXXX ) XXXX spoke to the office manager explained the issue and that I did not have to fax over my credit report as she requested before and that the branch manager said they would contact the credit companies and send them correct information about my account that is was not closed/collections and also send my payment history and balance. A letter dated XX/XX/XXXX from XXXX was mailed to my home stating that they would not change the information that they had that it was confirmed correct. The information is not correct so that is why I am submitting this complaint. I have included the following documents with my compliant : 1. Payment history screenshot from on online MarinerFinance.com account showing all payments made on time since XXXX XXXX 2. A download of all payments since my account was opened from MarinerFinance.com account 3. Fax that was sent to XXXX and all supporting documents I sent them. 
4. Response letter from XXXX postdated on XX/XX/XXXX I am only requesting that the record is reported correctly, showing my account is not closed and not in collections, showing all payments are being received and showing and accurate balance.
Midland Funding LLC has fraudulently claimed to the XXXX ( XXXX ) National Credit Reporting Agencies ( XXXX XXXX, XXXX, and XXXX ) that they have received a Final Monetary Judgment in the Michigan Court ( XXXX XXXX XXXX District Court ) which they have not and which is completely fraudulent. This intentional fraud on their part has destroyed my Credit Rating and has caused me great monetary damages due to their intentional fraud. I have attached physical evidence. 

The Michigan Supreme Court has asked the Michigan District Courts to suspend all actions of Midland Funding LLC in their Courts while the Federal Govt. currently investigates their fraud ( I have attached the Court Case which shows this suspension by the Court ). The XXXX County Court ( XXXX District Court ) has suspended all actions by Midland Funding LLC in their Court. Despite this case never being settled and no judgment ever being granted or settled, Midland Funding LLC went ahead and fraudulently ruined my credit with the XXXX ( XXXX ) National Credit Reporting Agencies ( XXXX, XXXX, and XXXX ) and fraudulently reported to all three that they had received a final judgment from this Court which is completely untrue. I have reported this fraud on their part to the Court as well. 

I would like to proceed with this Complaint and offer the CONSUMER FINANCIAL PROTECTION BUREAU this physical evidence of all the above and all of the additional claims that I have regarding this continual fraud by Midland Funding LLC. I also feel that they have no rights to this case or claims that they have purchased this debt from any Credit Card company and the dollar amount that they have claimed is fraudulent as well. I am not responsible for this debt and it is a fraudulent debt that they have reported as them being the new debt owners of. They have inflated this debt with tremendous additional charges and fees they have just added on or attached from almost a decade past from a previous divorce that I am no longer responsible for and tacked these fees on to their fraudulent claims with their fraudulent lawsuit from any original debt amounts. I do n't believe they legally purchased any of these debts and have no proof of their ownership of this debt and the amount is not accurate and inflated.
On Thursday, XXXX XXXX, I received a call that my credit card XXXX Barclay 's XXXX XXXX XXXX had been flagged for fraudulent information. It was an automated phone call from XXXX. I verified all information and was told at the end of the call that the security hold had been removed as I had properly verified all information. Following that call, the hold remained in place. It was not removed as indicated. Subsequent calls to XXXX have not resulted in an answer, and I was XXXX from critical business spending during at least XXXX business day without explanation.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX To Whom It May Concern : I have reached out several times regarding my current credit report & Navient account standing seeking assistance to no avail. Please be advised I am writing regarding my former XXXX now Navient student loans. When the time to pay on my loans initially began statements were being directed to an invalid mailing address and email address as learned when speaking with a customer service representative. During the dialogue it was recommended to move the loans to forbearance to clear up the matter & I believed the issue was rectified at that time by a customer service representative. 

Additionally, later on due to a separation from my spouse I was no longer able to make the needed payments each month. Although, I made efforts to maintain and stay current to my best abilities during that time period. For that reason, a couple of conversations were had with XXXX representative ( s ) and it was suggested to place loans in forbearance again. Also by taking this measure I was informed by the representative ( s ) all past negative information related to the student loans would be brought up to date and not negatively reported on my credit files. It was my understanding the updates in the system had been addressed at stated, which were not handled as such. After some time passed I learned when I attempted to apply for a home mortgage there were several delinquencies associated that has been negatively reported on my credit report from the 2013 calendar year. I am being severely penalized due to misinformation given by a customer service representative. I have tried to work with customer service countless times and each representative will provide different information, which has not made resolving my concerns any easier. 

I am requesting at this time to have the delinquent statuses removed from my credit records. Your cooperation would be greatly appreciated. 

Best Regard, XXXX XXXX XXXX
I got a derogatory mark on my credit report for a loan that says I received a payday loan. I never received a payday loan from this company
On XXXX XXXX 2016 I received a copy of my credit report. Upon review I noticed that Best Buy reported derogatory information to the credit bureau pertaining to an account that I was an authorized user - which is NOT true. I was NEVER to my knowledge an authorized user on this account and did not nor did I ever have a best buy credit card. I immediately contacted Best Buy and spoke to a customer Service representative by calling XXXX. I provided my SSN and was told that this account was held in the name of my mother and I was an authorized user. I requested that IMMEDIATELY my name be removed and the credit profile be updated. I never used this card and should not be held responsible for matters that I am not aware of. I was told that I should put my request in writing and fax to XXXX. I sent the fax as required to include my SSN, mailing address etc. Today I got a letter from XXXX stating that I had to provide the complete card number and a copy of the credit report. Please be advised that I have no idea what the XXXX digit card number therefore I am unable to provide this information.
Regions Bank charged me multiple times for checking my account at another atm. Which is understandable but they charge me too many times ; I only checked twice causing me to overdraft. Later I was charged for something that was supposed to have been declined.
Hunter Warfield based on my communications and documents closed the file and removed all derogatory information from the CRA 's. Now they are attempting collection from my wife. 

Please read all attached documents. This matter was settled through the XXXX XXXX XXXX in my name and now Hunter Warfield is attempting to collect again after closing the file, by now sending collection notices to my wife. 

Again, no billing from the creditor. Claims only from Hunter Warfield but told on the phone that the creditor closed and recalled the file as a result of my complaint and now re-placed the file in my wife 's name. 

The original was as follows : Hunter Warfield is attempting to collect on move out charges which have never been billed to me by the creditor nor Hunter. Apartment rental scam We rented an apartment at XXXX XXXX XXXX, XXXX XXXX, Ca. from XX/XX/XXXX thru XX/XX/XXXX. In XXXX, I received a call from them and found out they sent a collection letter to my XXXX year old mother 's address. XXXX has claimed damages to the apartment in the amount of {$620.00}. As the caller began to read off the damages, I referred him to the move-in sheet where the alleged damage was noted at move-in. He stated that he had better contact them and see about an adjustment. I've heard nothing from XXXX XXXX XXXX, XXXX XXXX, nor Hunter Warfield except a notification from my credit watch service that they had reported the collection to the credit reporting agencies. I faxed a letter to XXXX XXXX and have had no response. Today, XX/XX/XXXX I received another call from Hunter Warfield. The caller told me I now owe {$620.00}. He stated that Hunter 's customer service department verified and adjusted the balance due. They adfjusted the items on the move-in sheet and now I owe more? Why am I dealing with a third party only. If XXXX states I owe anything, I am entitled to a clear detailed statement from them. He then stated that that Hunter sent me a statement. I advised him that I have received nothing. They had a wrong address months ago and apparently the debt isn't even worth the XXXX cents to XXXX to obtain an address correction from the USPS. Or, the item could have been sent to my address at XXXX XXXX XXXX and it would have been forwarded to me. I receive a daily email from the USPS with every mail piece being forwarded. When I asked the caller from Hunter what address did they send their statement to, he hung up. I have 703 emails from XXXX XXXX XXXX, none requesting any monies. XXXX XXXX XXXX has 2 valid phone numbers, were given our new address when our keys were returned. Why am I dealing through this third party to begin with. If XXXX XXXX XXXX wants to charge me for something they should bill me directly. I have friends who have moved out of the building who have had the same experience. I believe this is a scam since you don't hear from XXXX directly. Libel. fraud. 

Please see attached documentation to see the rest of the dispute and result.
Hello I recently was looking at my score through chase today on XX/XX/XXXX and noticed it had way to many hard inquires. There should be about 7 total for some reason there is more. The odd part is the last 3 months it says I have 3 inquiries. I called Chase customer service they said they can not tell me what these Inquiries were but to write letters and explain you did not authorize or sign anything in the past 6 months for any Inquiry 's that they would remove them once they looked into it.

I did not make any Inquiry 's since I bought something summer of XXXX at XXXX XXXX ( XXXX XXXX XXXX was opened ) anything after that is inaccurate and I would kindly ask to be removed from file and whomever is giving that report. As it is not accurate.
I am a   XXXX   XXXX    XXXX  who partied in  XXXX . When my  XXXX   XXXX  contract ended, I attended  XXXX  University where I obtained a  XXXX  degree. To cover the cost of tuition acquired federal and private student loans. Shortly after graduation, Citibank required payment on all my private loans. For five years, I made a minimum monthly payment of approximately {$450.00}. Despite payments, every year my loan balance increase because of interest.  Citibanks  IRS Form  XXXX , indicate that I paid {$3100.00} in interest for  one of the previous tax years. I did all I could to keep my loans current, this included using my unemploym ent checks, my credit cards, and selling my financial assets  ( I RAs & stocks ). Citibank eventually sold   XXXX  of the  XXXX  p rivate student loan to  XXXX   XXXX . Since I made my payments using online banking I never realized my account was split-up.  XXXX  and Citibank used the same mailing address and the same account number to identify my account. I did n't even realize  Citibank kept   XXXX   of my loans until I started getting calls from a third party. I contacted both Citibank  and  XXXX  to help resolve this issue but I was told nothing could be done to fix the error. One manage at  XXXX  realized the error was no fault of mine and offered to contact  Citibank on my behalf but unfortunately that was the last time I heard from her. I called Citibank  and  XXXX  and they offered no solution to resolve this mistake. Shortly after acquiring my loans,  XXXX  increased my monthly payment to {$650.00}. I call  XXXX  on several occasions to negotiate a lower monthly payment, and I was told to pay {$320.00} at the due date and pay another {$320.00} before the next due date to avoid going into collections. Managing my payments that way would eventually became very problematic for me. However, I did as I was told for as long as I could, until my contract at work wasnt renewed. I called  XXXX  again to explain my situation and I also explained that I had an arrangement with  Citibank to cap my monthly loan payments at {$450.00}.  XXXX  would not offer any flexible options for repaying loans. I had to decide between, rent, and keeping my oth er deb ts ( credit cards ) current. I am not proud of my financial circumstance ; however, I feel I did all I cou ld to keep my loans from going into collections. As I write this letter I still owe over $ 40K in Federal student loans and I have close to $ 10K worth of credit card debt. I want to pay all of my debts and improve my credit worthiness but at this point in my life I dont make a whole lot of money. Outside of my private student loans, I have never defaulted on any loans or credit product. My federal student loans, credit cards, and car loan are all current. The primary reason for all this is because they were willing to offer me a flexible payment option. Today I can honestly say, my private student loans are one of the reasons for my  XXXX .
I was contacted by  XXXX   XXXX   XXXX  /  XXXX   XXXX   XXXX  multiple times with promises of lowering my federal student loan payment, entering a federal loan forgiveness program, & relieving me of additional debt stress. On  XXXX / XXXX / 16 , the representative I spoke with,  XXXX   XXXX , advised there would be a flat fee of {$1300.00} payable in 48 months in monthly installments. If you were to review the calls, you can verify this is the exact information given to me, & I was advised to accept this agreement per our discussion in my email while on the phone with their agent. I later found out that my payment is actually higher and not set up as a flat fee payment, but actually as a revolving credit line with severely high interest serviced by Equitable Acceptance Corp. This was not how the product or payment structure was disclosed to me by their agent when discussing the enrollment documents over the phone. I was deceptively sold a credit card product and the sales representative took advantage of his position and abusively advised I accept this discussed payment agreement while over the phone through my email. The sales practice of falsely promising a flat fee, plus 20 % + interest, will cost me significantly more than what was promised, and has already caused m y credit score to  drop by  XXXX  points by creating more available credit to debt ratio under my credit card accounts with reporting bureaus. Plus, the amount of money I am now paying in interest is not saving me money on reducing my monthly student loan payments, again as promised by  XXXX . I was not sold a credit card and I would not have opened a credit card with Equitable Acceptance if properly advised. Additionally, although  XXXX   XXXX   XXXX   XXXX   XXXX  is a document processing company they failed to process their own documentation to set up my automatic withdrawals with Equitable Acceptance like I approved over the phone on  XXXX / XXXX / 16 . I verbally & electronically authorized monthly auto withdrawals with their payment servicer, Equitable Acceptance, while on the phone with the  XXXX   XXXX   XXXX  agent on  XXXX / XXXX / 16 . This caused one of my first payments to not be paid on time as agreed and further creating a late payment to show on my report. I have previously attempted to resolve with Equitable Acceptance but their written response was unprofessional, accusatory, & based on assumptions without investigating the sales tactics they stand behind & service. Because  XXXX   XXXX   XXXX  deceptively sold me the wrong product, with interest, on false promises, and failed to set payments up properly further causing financial harm to my creditworthiness, they need to waive their fee and close this revolving credit account. I never would have agreed to such a product if their sales tactics were responsible and honest.
MY QUESTION IS WHY A COMPANY THAT SUBMITS CREDIT INFORMATION ( AND HAS A RIGHT TO DO THAT ) AND FINDS THE ISSUE WAS RESOLVED DOES NOT HAVE THE ABILITY TO HAVE THAT CORRECTED SO ONES FICA SCORE CAN BE CORRECTED ( AT LEAST BACK TO WHERE IS WAS WHEN THE ORIGINALLY REPORTED THEIR ISSUE?   This makes no sense, being they can not do that could cost a consumer a loan or a higher interest rate because of something that is incorrect.   Not fair, common sense would suggest that is a report is received and proper resolution is found due to a mistake or judgment error ... whatever, they should have the ability to go in and correct th e FICA score and according to Discover, th ey are not allow to do that.
The are calling me from different numbers, texting me, and emailing for a a payment on my car. Threating to repo my car pull my contract, just harassing me, and it starts before my payment is due and the worst part they report to the credit bureau and they have not reported me late one time so im not understanding why all the harassment.
ACS Education Services is refusing to release my loans to another borrower that is consolidating my loans. After contacting ACS numerous times about them sending the info they continue to say the same thing " We 're done with XXXX of your XXXX packets '' and I 've heard this for about 2 months. They had the request to send the info so they could be paid off in XXXX 2016 and after speaking to the new lender today ( XXXX/XXXX/16 ) I was just advised they send information that my loans were paid off already. In the mean time ACS has my loans in default, sent it to a collection agency, and put it on my credit report. I 've NEVER defaulted on my loans and was even struggling to pay them $ XXXX/month but still did it. If anyone looks online they will see the many horror stories about ACS Education Service and I almost feel I 've paid my money to a company that has scammed me the whole time and concerned about the payments that I did make. I 've found a company that is authorized by the Dept of Ed to help with consolidation, lower my payments for all my loans dramatically, and actually give me a length of how long I will have to pay them. I am now in the process of faxing them my bills to prove that I still own ACS and they will help me resolve the issue and hopefully get the funds to them to pay them off. 

On another note my other lender sent the information within 2 weeks and were paid in full within 3 weeks.