WillisBack/dataset-financial-user-claim huggingface dataset:
Apparently for some reason, NCC Business Services Inc. has not sent me the proof of my obligation of this alleged debt as requested and continues to report this debt as requested and continues to report this debt to the XXXX major reporting bureaus. This is creating major issues for me such as higher interest rates, lower credit scores, employment denials and application rejects because of this outstanding balance that shows as being owed. I disputed this account back on XXXX XXXX, 2017 on my XXXX, XXXX and XXXX credit reports to no avail. NCC Business Services Inc. continues to ignore my requests and they continue to ignore my consumer rights. I believe this account does not belong to me. I requested the documents from their files used to verify this account. Under the Fair Credit Reporting Act, I have the right to demand all of the documents they have recorded and retained in their files at the time of the request concerning the account they are reporting in my credit reports. All unverified accounts must be deleted. Who verified this account? What documents did they use to verify? Where are the documents used to verify? The only correspondence that I received was a billing statement. This item does not qualify as fell verification per FCRA. In the XXXX XXXX XXXX, XXXX XXXX, XXXX AM Jur XXXX. Sections XXXX ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original creditor sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor.
The company is in violation for continuing to verify this account with the credit bureaus with providing the evidence as requested. It is my contention that NCC Business Services Inc. knows that they can not tie me to this account, otherwise they would have done so when I made the initial request. NCC Business Services Inc. is blatantly disregarding the law.
Considering Bayview Loan Servicing has a reputation of not working with clients, I have decided to submit this complaint although I have emailed their customer service about the erroneous information on my credit report but no answer is yet received.

I found that the BayView mortgage-loan info from my credit report shows the missed payment for XX/XX/2018. This information is incorrect and it has been affecting my credit report unfairly. 

The payment in XXXX was made on the XXXX. Although not being held against me, there is also erroneous information related to the payments made in XXXX, XXXX, and XXXX. I am attaching a snap of my credit report with BAyview errors reflected as well as print-screens of all my payments to Bayview from last year so you can check when the debt was taken from my XXXX account. My records prove that I DID NOT make any late payment last year, all payments were granted before the XXXX of each month as Bayview regulates. 

Thanking you in advance for your kind help in this matter
I was checking out what was involved in starting a website when a person solicited me over the telephone. I was told if I had certain qualities I would be able to enter a special program to help me start an online business. It turns out that the special quality was if I had the money. On XXXX XXXX, 2014 I was contacted by a company called XXXX XXXX XXXX, XXXX. I was told I could earn a significant amount of money by working from home. I was sold supposed " Educational Products and Services '' on XXXX XXXX for {>= $1,000,000}. This alleged service was intended to guide me on building an XXXX business online and sell products on XXXX. 
XXXX XXXX XXXX, XXXX verbally promised over the telephone that I would be learning this " XXXX '' business because of there assistance. I was told I would receive weeks of coaching but the company failed to provide anything in writing that explained the coaching process. After numerous phone calls I finally received a phone call from a gentleman named " XXXX ''. This individual informed me that he would assist me during the coaching process. The coaching process only lasted a short period of time before it became impossible to reach anyone on the phone. After a few phone calls from my alleged coach I immediately became suspicious that I was involved in a scam. Everything that I was originally told from XXXX XXXX XXXX, XXXX was a complete lie. 
It was now evident to me that I was involved in an online business opportunity scam. I tried everything in my power to contact XXXX XXXX XXXX, XXXX. All phone calls went to voice-mail and were never returned back to me. I even realized that this company was operating from a XXXX XXXX not an actual business location. As of today no contact has been made with XXXX XXXX XXXX, XXXX. They never provided any " Educational Products '' or " Services '' to date. I urge you to please try and contact them to help me resolves this issue. 
I consider a full refund to be a fair resolution with XXXX XXXX XXXX, XXXX. I did not receive the products and services that were described to me at the time of purchase. I have attempted to resolve this issue with the company directly, but they continue to ignore all request. The invoice that I have has no terms of agreement or show what services were to be provided. During this period of time I was on medical XXXX and was looking for an opportunity to work from home. From initial point of contact I was verbally guaranteed to make sales/profits. Before I loss all communication I attempted to go and meet them personally and learn the business hands on. They repeatedly refused and would not provide me with a physical address. I paid this company and they completely disappeared. I have received absolutely nothing and my bank will not assist me.
I have had an account there since XX/XX/XXXX. I received a loan of $XXXX. I have made every one of the biweekly $XXXX payments since. I started calling onXX/XX/XXXX to find out the payoff balance. The representative told me there were technical issues keeping her from getting in to my account. (Something I later learned is a common tactic they use.) So, I called back on XX/XX/XXXX and spoke to the same girl. She told me she still couldn't get in to my account and promised that interest would stop accruing while we got this sorted.  She told me the balance would be emailed to me or I would get a call. I received neither, but two more payments have been debited from my account in the total of $XXXX. I spoke to a representative on XX/XX/XXXX who advised me that the pay off is $XXXX. Since I have been trying to settle this since XX/XX/XXXX, I told her I need the $XXXX that was debited after to be applied to this balance and allow me to pay the difference of $XXXX to close the account. She said her supervisor would call me back. I heard nothing. I emailed their customer service with this issue. No response. I called again on XX/XX/XXXX. The same girl assured me the supervisor would call me that day. No call. I have since called and left voicemails and sent another email. Still no response.
My date of birth have been changed on my XXXX report. My employers have been changed also. From XX/XX/XXXX-XX/XX/XXXX, my last employer was XXXX XXXX. My first was with XXXX XXXX, next XXXXXX/XX/XXXX- XX/XX/XXXX. XXXX and XXXX  's from XXXX-XXXX. I was employed with XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX.THE SOCIAL SECURITY DEPARTMENT have written a query for me with my EIN numbers from all my employers. To prove who I am. XXXX  refuse to correct their data base. This is how utilities was being stolen. The FBI told me this is an inside job. The US Attorney General office told me the same thing. The entire XXXX XXXX abused your services by stealing my identity. My birth certificate was copied, drivers license, & social security card. I 've to do a lot of research. They 've placed a seven year fraud alert on my credit report. This was do to prevent me from learning who was involved with theft. My late father social security number is being abused. XXXX XXXX is stealing my mail. She 's working with the XXXX XXXX XXXX. My father 's name was XXXX XXXX. XXXX lived with my late father, she 's nothing to me & should n't be touching anything that belong to me. XXXX XXXX made copies of my mortgage papers with my signature. She was on e employed with XXXX & had access to XXXX XXXX. This is how the family got so close to me to gain access of my information. They also stole my mail through the XXXX XXXX XXXX XXXX. XXXX XXXX once worked for the XXXX XXXX in XXXX. She moved to XXXX after they had my father 's XXXX XXXX. This is a very dangerous family, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX is an employee of XXXX XXXX XXXX XXXX XXXX. XXXX is also working with the XXXX XXXX. I 've reported this theft to you several times. At the time I did n't know all of my personal information was changed at the credit level. I was established and I had no reason to apply for credit.
For the past almost 2 years I received a loan modification form Nationstar Mortgage, ( Loan # XXXX ), I have been paying religiously on time for said time. This has helped rebuild my credit profile an score improving my credit worthiness and improving my financial quality of life. 
Unfortunately Nationstar has been negligently reporting my payment history incorrectly for said mortgage. Most recent evidence of their inaccurate reporting methods and collections practices is evidenced by attached documents which demonstrate my ontime payments and a letter in which Nationstar has reporte me 30 days past due or delinquent to a ll XXXX bureaus and is wanting me to communicate about this with them. 

It is v reprehensible that I have complied with all my responsibilities as consumer to pay on time and slowly have tried to rebuild my credit history and Nationstar by its negligent actions is destroying my financial creditworthiness. FCRA and FDCPA laws were enacted to protect consumers from specifically these type of actions by creditors, specially when it affects disproportionately a double minority group as in my case a single parent ( XXXX ). I stand to loose the credit cards and financial considerations I have received over this last 2 years from other creditors due to my improving financial credit record by the negligent and unprofessional actions effected by Nationstar Mortgage I expect immediate correction of my credit bureaus reports. Apology and retraction letter by Nationstar Mortgage and the payment of all FDCPA and FCRA violations fines which should credited to my principal mortgage balance for damages and penalties payable to me as a consumer. 

I may be reached at XXXX or email at XXXX KInd regards, XXXX Loan # XXXX
I received papers via mail XXXX-18 stating I was denied for a house loan {$92000.00} that was filed on XXXX-18. I never filed for a house loan or any other loan for that matter. I notified the company and they are pulling the call That was made and will be contacting me back. 

After filing a complaint with the company and speaking with someone they never contacted me back about the situation, then today XX/XX/XXXX I receive information stating I'm aware and basically realize that I did file the loan. No one still has not contacted me back about this to let me know anything that happened. I was told I would be receiving a call back once the call was pulled in which never happened. I want someone to explain to me what is going and why I am not being called about this? I did not consent to anything nor Have I filled any loans out online.
XXXX XXXX, XXXX from XXXX PA sent me a letter and called my house several times, claiming I have an account which is overdue. I ignored the phone calls. When I received a letter today, I checked my credit report and I called the bank associated with the dept and made sure I am not responsible for this account. I believe this is a scam. This company wants me to call them so they can get my information.
Hello, The FTC has a website recommending XXXX credit report companies who are responsible for providing 1 free credit report each year. This government website ( https : //www.consumer.ftc.gov/articles/0155-free-credit-reports ) links you to this website to get the free credit report : annualcreditreport.com. 

When you go to annualcreditreport.com, you can not access your credit report from any of the XXXX agencies due to various " errors. '' So the only way to get one is to pay {$1.00} by navigating directly to the website of one of the XXXX large credit monitoring companies. I recently had to do this. After receiving a PAID credit report from Experian ( for {$1.00} ), Experian without my permission began billing my credit card ( {$21.00} ) for a recurring subscription to a service that I never asked for. 

On behalf of all the consumers who rely on these XXXX big credit companies for fair and free credit reports, especially for those who are n't savvy enough or lucky enough to check their credit card history for fraudulent charges, please prevent Experian and the other large credit agencies from this type of blatant fraud. 

Thank you.
I have received over the past 3 years several pre-approval notices from Barclaycard stating that I was already approved to go ahead and apply, when I do then I get a denial notice. This puts a HARD hit on a persons credit with all XXXX of the major credit reporting agencies. I again not even 3 weeks of being denied again from Barclaycard received another pre-approval notice asking me to apply. I called the number and the rep insisted that my denial must have been a mistake and to reapply. Sorry but I 'm not as dumb as most of the Americans that these banks believe we truly are. I want them to be fined!! These are deceitful practices which should be stopped immediately!
On XX/XX/2017, this debt for $ XXXXappeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
I have disputed this collection account as identity theft, i did not open the account or have knowledge of any services done. I have faxed, called, emailed the ceo, and certified mailed copies of my identity theft report with no response.
There are several late payments from the months of XX/XX/XXXX to XX/XX/XXXX that are inaccurate I am not responsible for the inaccurate information reporting to my credit file please fix this ASAP
i received a check back in XXXX that was misplaced in my files from cfpb v Amerisave Mortgage corporation in the amount of XXXX this company was the first company that had my loan back in XXXX. 
when I dialed the number on the check, it has been disconnected and is no longer in service. XXXX when I looked on line and dialed XXXX I was advised by XXXX that my check could no longer be issued.. I am looking to resolve this matter as I am still owed " MY '' money from federal lawsuit in which I was affected as a consumer at the time. 

please advise
I have been disputing XXXX XXXX Hospital charges for about 6 months. The account was closed many years ago because I was on Medicaid who covered the balance of my medical bills. Also, I moved away from the state of XXXX on XX/XX/2015 due to XXXX  XXXX. I have lived in XXXX since then and have never been back to XXXX to incur any debt. Each time I dispute this issue with a credit bureau, the debt is sold and my credit is ruined again. I have to constantly fill out these forms and research my credit. I have to Pay for monitoring of my credit from XXXX. I am being harrassed and it's too much. Please help me.
On XX/XX/XXXX I made a payment in the amount of {$580.00} which is 2 monthly payments. This was for the Monday Madness Offer. ( See Attached file ) According to the advertisement it states to may 2 PAYMENTS and CityLoan will make the # rd PAYMENT. These 3 payments, to my understanding, were for XXXX, XXXX, and XXXX. I was n't needed to make a payment until XX/XX/XXXX, again from how the Monday Madness Offer is written. In XXXX I did get calls from Cityloan, with a message of saying to call them. I answered a few times and no one was their and line went dead. I made a payment on XX/XX/XXXX that cleared on XX/XX/XXXX. But come Sunday XXXX XX/XX/XXXX there was a repo tow truck banging ringing door bell! Told me if I did not give them my key they would have to " POP '' the lock. 
Long story short, I could not talk to someone until Monday morning XX/XX/XXXX. Once I got ahold of XXXX XXXX she informed me that the " Monday Madness Offer '' was for " Principal Only '' it was not " 3 PAYMENTS ''. I was so frustrated. 
To get our car back, that was only 22 days late, was to first deposit {$400.00} for repossession fee, and {$290.00} for past due amount, into their XXXX XXXX account # XXXX. Then I had to go to my local police station and pay the {$15.00} fee to remove the repo order. Then thirdly we had to go to the repo yard and pay {$110.00} for 2 days of storage and their {$45.00} processing fee. 
It is now XX/XX/XXXX and I have yet to get an updated statement on our account. 
They do not have any online account access whatsoever. I have yet to receive any notices or statements showing past due, nor any notifications of the car being repossessed!! 
I was about to make a payment now, but decided to look up info on CityLoan online. As a result of what I found online about them, I am sending you this complaint. 
Please let me know what you can do and or what other steps I should take to make sure I do not get more fraudulent charges from this company and protect my wife 's car.
I have disputed this account with all 3 bureaus for the past 2 years and the only resolution is that they keep stating the account was verified as mine based on the name on the account. Inwhich per the FCRA to validate a debt it should be able to provide the consumer an application bearing my signature not continuing to ignore all my disputes as verified. I sent this company a certified letter ( XXXX ) ( XXXX XX/XX/2017 asking them directly for validation. They refuse to validate this date per the FCRA
My identity was stlen and someone had tried to open up cards and pull unauthorized hard inquiries with my credit. 
XXXX 1.XXXX XX/XX/XXXX 2 XX/XX/XXXX 3.XX/XX/XXXX XX/XX/XXXX 4.XX/XX/XXXX XX/XX/XXXX1.XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX
XX/XX/2017- On this date, I was going to go forward with paying my two credit cards down to a XXXX balance. I had just opened a new bank account and apparently had a couple numbers incorrect when paying the balances. I attempted to make the payment once and received and error that stated for me to try again. The error did not state what was wrong, so I resubmitted the payment. A few days after doing so, I noticed that both of my cards were frozen from use. I then called Capital One to find out what was going on and they stated that I had 2 returned payments and that it violated the terms of use. After the first return payment, I was not notified at all except to resubmit the payment. It wasnt until about a week later that I received a letter in the mail stating that my account had been closed due to a violation of the terms of use and that the company does not allow more than 1 returned payment. I attempted to explain the situation to a rep with Capital One on more than one occasion, but they did not offer any assistance with the matter and simply told me that I still owed the balance and the account will remain closed. If I wanted to apply for a new one, I could. However, I would not want to open a new account with a company that did not communicate the issue with me prior to closing my account for good. Therefore, I told the latest rep that I am no longer liable for the balances and would like them removed from my credit report. They refused and stated that the " Account Closed '' status did not bar me from being liable for the account. I do not agree. Ever since this situation began, my credit report now shows multiple missed/late payments and this is affecting my credit score very badly. There are far too many issues that i have with the way the situation was handled and addressed. If the situation had been handled in a decent manner, I would have corrected my error and paid my cards off in full and continued to use them. I have had the account for several years without a single missed payment, late payment, or any returned payments. This was not taken into consideration prior to closing the account. 

In addition, XXXX XXXX XXXXXXXX supposedly worked very hard to investigate my issue. After a couple weeks went by, I hadnt heard back. It wasnt until I called them and was told that my case was actually being closed that day and that nothing would change. Yet again, no reasoning given. I am so disappointed in this company and never plan on working with them again.
In my state, All 3 credit reporting agencies are trying to charge consumers for a credit freeze. That 's insane. Especially for Equifax to be profiting off their own failure to protect data we never had the option to hide from them. You need to provide a method for all consumers to go to a centralized website where they can freeze their report at all 3 companies, for free. 

Until that system is in place these agencies should be barred from charging these fees, and they should be forced to make the freezing process accessible and not hidden behind a series of attempts to sell credit monitoring. 

Additionally, I have tried to freeze my report with Equifax and the site was down. This is completely unacceptable when half of the population just had their financial information compromised.
In this year of 2016, I has been receiving call from Arnold Scott Harris to resolve a debt with my Driver License. I spoke to a rep from their collection agency about resolving my debt with a payment plan. The rep told me if I do n't resolve this issue, The client will put a WARRANT for my arrest if the debt is not paid in a timely matter. I tried to set up a payment plan using my debit card, but the company took the funds out on the wrong day and month, which set my account to over draft. Once the rep stated that I can get arrested I went out and obtain XXXX pay day loans to Pay this balance in Full. I spoke to Client ( XXXX Circuit court in XXXX il ) which the lady rep stated that 's no way that will ever happen let alone the balance will not increased. I have called several times, where I asked to speak to a manager. Every time I am place on hold for a long period of time, no one ever returned back to phone or a call back was never giving when they told me the time frame was 48 hours. As, when I did speak to someone every time I called my call is just bounce from rep to rep, nothing was resolve at all. I even spoke to someone who recently call me back told me the REP did not ever say that, then call again and pushed the issue. Which I was told the Rep was wrong and should have never stated that.