WillisBack/dataset-financial-user-claim huggingface dataset:
I OWED THE CITY OF XXXX, WI. BEFORE COLLECTION AGENCY UNDER XXXX. AFTER THIS WAS SENT TO STARK COLLECTION AGENCY IN XXXX, I AGREED TO MAKE MONTHLY PAYMENTS AS I DID NOT HAVE MUCH MONEY. WE AGREED ON A MONTHLY AMOUNT. I BELIEVE I MISSED XXXX OR XXXX PAYMENTS DURING THAT TIME, BUT I ALWAYS CALLED AND TOLD HER I HAD MONEY ISSUES AND I WOULD BE SURE TO CONTINUE THE NEXT MONTH AND SHE WAS FINE WITH THAT AND RECORDED THAT IN MY RECORDS. ABOUT 4 TO 5 MONTHS LATER THEY PULLED MY DRIVER 'S LICENSE FOR NON PAYMENT OF DEBT. I HAVE RECIEPTS FOR ALL OF MY PAYMENTS, BUT THEY REFUSE TO RELEASE MY LICENSE. NOW THE COLLECTION AGENCY TELLS ME THAT I OWE ABOUT XXXX BEFORE I SETTLE MY DEPT. I HAVE ALREADY PAID THEM XXXX. THE COLLECTION AGENCY KEEPS ON CHARGING ME WITH INTEREST, PENALTIES AND FEES, WHICH I THOUGHT WAS ILLEGAL AS IT IS NOT STATED IN MY CONTRACT. ACCORDING TO MY RECORDS, I THOUGHT I OWED XXXX BUT WHEN I CALLED TO CONFIRM MY BALANCE TO SEE IF THAT WAS CORRECT, I WAS INFORMED I STILL OWE XXXX. WHEN I INQUIRED WHY SUCH A BIG DIFFERENCE, I WAS TOLD FEES AND PENALTIES. NOW WHEN I JUST TALKED TO HER, SHE SAID IT WAS ALL INTEREST. I WAS NEVER TOLD THAT THEY WOULD KEEP CHARGING INTEREST AND FEES WHILE I WAS MAKING MONTHLY PAYMENTS. I WOULD APPRECIATE ANY HELP THAT YOU CAN OFFER IN THIS SITUATION.ANY QUESTIONS OR CONCERNS, PLEASE CONTACT ME AT XXXX XXXX XXXX. 
THANK YOU, XXXX XXXX
we were harrassed and good credit threatened for 6 days because a payment they electronically took out of my bank account, they applied to a wrong account ... ..nothing on my end ... .all the error on their end ... .and they harrassed us saying they were going to charge us a late fee and report us for late payment when all along they had already taken money out of my account electronically ... .the bank printed it out for me ... they harrassed and harrassed us it was very stressful getting this straightened out and it took alot of phone calls and then we still got robotic calls ... ..
I requested PMI removal from my home as it has been two years and my LTV is 78 %. I will need an appraisal to prove this, which is fine. But the Company demanded my LTV is 75 %, which is against the law. I need you to contact them and demand they comply with the law ( 80 % LTV ). I refuse to order an appraisal through them as they asked if they are only going to deny me when the appraisal comes back as 76-80 % LTV. I can provide proof of their letter demanding the 75 % LTV if you would like. Please contact me for the letter.
There are 2 credit inquiries on my credit report with all 3 credit bureaus. I have never had an interest in credit cards nor do I have a credit card. These inquiries were not authorized by me. I have contacted Capital One who in return told me to contact the credit bureaus. Each credit bureaus has advised me to contact Capital one to have them removed. I have sent out multiple inquiry removal letters to each credit bureau via certified mail and to no avail of deletion. The dates that these inquiries were posted to my report is XX/XX/XXXX & XX/XX/XXXX. These inquiries were not authorized by me and I would like to have them removed. 

I also have a credit inquiry on my report from XXXX XXXX on XXXX/XXXX/XXXX that I did not authorize & I received the same feed back from both the company & the bureaus. I have been a XXXX cell phone customer since XX/XX/XXXX & I have no need or use for XXXX XXXX XXXX. 

I am not sure what XXXX XXXX is or the reason for them performing a Credit Inquiry on me but there is an inquiry on my report from this company on XX/XX/XXXX that I did not authorize. 

I have not authorized any of the above inquiries & I have not been successful in reaching a resolve with these companies or bureaus one on one. 

Their reportings are in violation of the FCRA.
I had a Corporate American Express card from my employer, XXXX XXXX XXXX. I had closed the account when I left the employer on XXXX, XXXX, 2015. The account was closed but there was a charge that got posted on my account on XXXX XXXX, 2015. There was no correspondence about that charge on my account either via email or mail. On XXXX XXXX, the account was sent to a debt collection agency. Even though, I have XXXX other cards with all information updated, the company never bothered to reach me. Additionally, I was receiving email statement, but the company never bothered to send me a statement. I would like to company in significantly improve their practices on Corporate Credit Card and practice of sending it to debt collection agency WITHOUT TRYING to REACH customer. Moreover, they added {$190.00} of late fees. This is totally out of line, given I never got any correspondence of outstanding balance!!
I paid the car in FULL in XXXX 2012. This should NOT be on my credit reports! It was stated on my report that " PAYMENTS WERE MADE IN COMPLIANCE WITH THE NEGOTIATED SCHEDULE. '' I have contacted the company for THREE years with no response!!
I dispute all unverifiable transactions contained in Summary File Disclosure, Consumer ID : XXXX prepared on XXXX/XXXX/XXXX by XXXX XXXX summary disclosure. 

As the Secured Party Creditor, and the holder of the XXXX XXXX interest in any and all real and personal property and the proceeds therefrom, registered to, associated with, in the possession of, or under the management of, XXXX XXXX, and XXXX XXXX XXXX XXXX, your alleged claims and/or requests prejudice my rights, titles, and interests in regards to said property as the XXXX XXXX for the private trust to which said rights, titles, and interests have been pledged. In order for me to provide you with a remedy, I conditionally accept your offer upon proof, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached. And, a copy sent to undersigned for rebuttal or acquiesce, of the following : 1. VERIFIABLE Proof of Legal documents to prove that you are legally authorized to collect, 2. VERIFIABLE Proof of Amount of the actual debt, 3. VERIFIABLE Proof of Payments made on the account, 4. VERIFIABLE Proof of Accounting of the  debt, including all interest and fees, XXXX. VERIFIABLE Proof of Fees and interest amounts, 6. VERIFIABLE Proof of a signed contract showing the terms about the debt, 7. VERIFIABLE Proof of WHO owns the debt/or has been assigned the debt, 8. VERIFIABLE Proof of a  copy of a true bill from the original creditor, 9. VERIFIABLE Proof of a complete payment history, starting with the original creditor, and 10. VERIFIABLE Proof of a  Certified and True Copy of the original signed agreement or application. 

Please Note : I wish to deal with this matter in writing and I do not give your administration permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute harassment ' and I may take action under Fair Debt Collection Practices Act 806. Harassment or abuse [ 15 USC 1692d ].
This debt was paid through XXXX Hospital, the entire balance was paid in XX/XX/2017, long before it showed up on my credit report. I received several calls from a collection agency after the fact, after the bill was paid off in full, stating that I owe for this bill, I explained to them that it was already paid through XXXX  hospital, I called and confirmed this with XXXX  Hospital and they show no open bills. XXXX hospital told me that they showed no balance and that they would contact collection agency and let them know, that the bill was resolved and they instructed me to disregard their calls.
I have previously disputed this information because I was paying the original creditor. I have no idea why I would end up in collections for this and never received any sort of notification. I think it is wrong that an account like this can even be reported to a credit bureau without the proper information being used. Unless this company is able to fully identify me as the owner of this account, I want it removed ASAP. I believe they have the wrong person because of what I previously stated and it is kind of weird because I still have electricity. So therefore, I must not be delinquent. I believe that my information was stolen in the XXXX  breach and someone is trying to use it against me. I want this company to stop trying to ruin my credit reports and delete all information.
I sent certified letters to the credit bureau and haven't received any response from the credit bureau in the last 3 months
I was contacted by Berks Credit & Collections , Inc at XXXX XXXX XXXX XXXX, PA XXXX. The staff I was speaking with XXXX, trying to let her know that the debt notice was incorrect and I had cleared it with the Doctor. She then told me that my insurance did not pay the debt and it was referred to them from the doctor. I asked if she knew the insurance did n't and she said yes. When I told her I had paperwork from the insurance showing it was paid right in front of me and that she was lying. I requested the info form her that my insurance did n't pay the Doctor and she said she did n't have to give it to me. She then said she was going to hang up on me because of how I was treating her. I never once raised my voice or yelled at her. When I was asked her for info on the company so I could report it to the cfpb she hung on me.
Last year I paid this account to clean my credit. I do n't know what this debt was for but I paid a reduced amount in order to have it removed from my credit and receive a home loan.
I had a loan through the US Dept of Education. I was unemployed and underemployed for a couple of years, and was behind on payments. I had to go abroad to find work in my area, XXXX. When I started making payments directly to the USDE in XX/XX/XXXX-XX/XX/XXXX, not all of my loans were listed. I paid off the one listed, sent emails to the USDE, getting no reply, asking if about the other loans. On the USDE XXXX program website it just said that there were no other loans to be paid at the moment, so I really did n't know what was going on. I then later heard that Navient had bought my loans - when my loans went into collection in XX/XX/XXXX. The following year I went through more difficulties as another student loan service, who I paid to help me start the process of rehabilitating my loan, failed to complete this job twice. So I started rehabilitating the loan last summer, after a year of trying to get it done through XXXX ( the name of the company ). 
My complaint is about Navient. They sent me no mail, no emails, and there was no information from the US Department of Education that Navient had bought the loan. The loan balance in that time went from around {$62000.00} to what is now {$130000.00}, through Navient 's neglect to send me any information, and XXXX failure to process the rehabilitation papers. I was making payments in good faith in XX/XX/XXXX-XX/XX/XXXX until I had paid the loans listed. My attempts to find out what had happened yielded nothing. Last year I wrote a complaint letter to Navient, but they denied any wrongdoing. The loans were for XXXX school at University XXXX and XXXX.
According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. 




VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a )  There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised. 

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED Account Name XXXX XXXX XXXX, Account # XXXX Contact Information XXXX XXXX XXXX, XXXX, TX  XXXX, ( XXXX ) XXXX THIS ITEM DOES NOT BELONG TO ME AND CREDITOR OR AGENCY HAS NO SIGNED AGREEMENT WITH ME NOR CAN IT PRODUCE ONE PLEASE REMOVE THIS OFF OF MY CREDIT REPORT Account Name XXXX XXXX XXXXXXXX XXXX, Account # XXXX Contact Information XXXX XXXX XXXX, XXXX XXXX, MN  XXXX, ( XXXX ) XXXX THIS ITEM DOES NOT BELONG TO ME AND CREDITOR OR AGENCY HAS NO SIGNED AGREEMENT WITH ME NOR CAN IT PRODUCE ONE PLEASE REMOVE THIS OFF OF MY CREDIT REPORT Account Name XXXX XXXX, Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX CA XXXX, ( XXXX ) XXXX THIS ITEM DOES NOT BELONG TO ME AND CREDITOR OR AGENCY HAS NO SIGNED AGREEMENT WITH ME NOR CAN IT PRODUCE ONE PLEASE REMOVE THIS OFF OF MY CREDIT REPORT Account Name 01 XXXX XXXX XXXX XXXX XXXX   Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA   XXXX, ( XXXX ) XXXX THIS ITEM DOES NOT BELONG TO ME AND CREDITOR OR AGENCY HAS NO SIGNED AGREEMENT WITH ME NOR CAN IT PRODUCE ONE PLEASE REMOVE THIS OFF OF MY CREDIT REPORT Account Name 10 XXXX XXXX XXXX XXXX, Account # XXXX Contact Information XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, MN XXXXXXXX, ( XXXX ) XXXX THIS ITEM DOES NOT BELONG TO ME AND CREDITOR OR AGENCY HAS NO SIGNED AGREEMENT WITH ME NOR CAN IT PRODUCE ONE PLEASE REMOVE THIS OFF OF MY CREDIT REPORT Account Name 11 XXXX XXXX XXXX, Account # XXXX Contact Information XXXX XXXX XXXX, XXXX XXXX, MN XXXX, ( XXXX ) XXXX THIS ITEM DOES NOT BELONG TO ME AND CREDITOR OR AGENCY HAS NO SIGNED AGREEMENT WITH ME NOR CAN IT PRODUCE ONE PLEASE REMOVE THIS OFF OF MY CREDIT REPORT
I have a debt from First National collection that I am not aware of and it looks like fraud. I do not have XXXX and never opened an account. I have moved from the XXXX in XX/XX/XXXX and lived at a friend on XXXX in XXXX from XX/XX/XXXX to XX/XX/XXXX. 

XXXX XXXX
On XXXX XXXX, 2016 I called my bank and asked if there were a program that they would allow me to writs a check to my phone/internet & TV service because I have a notice to be disconnected, I was told that I could apply for " Over Draft Protection '' and if approved they would honor the check and charge me {$35.00} to be paid on XX/XX/XXXX when I get my social security & SSI benefits, after a long wait I was told that I had been approved, I 'm XXXX year old, again on XXXX XXXX ( 2016 ) I called the bank and asked about the over draft approval to see if I could get {$20.00} knowing that on XX/XX/XXXX I 've have both of my benefits posted, I was told by the representative that as a courtesy he would reverse the {$35.00} that has been charged and I could go to my bank ATM and with draw {$20.00}, However there will be a {$35.00} charge and since he removed the first charge I will only have " XXXX {$35.00} ' charge for both transactions, I went to my bank out side ATM and was denied the transaction, I went inside the bank spoke to a representative and was told that she did not see any overdraft protection on my account and the ATM machine make the decision to honor the traction not a live person, I went home and later about 3 hours I received a notice that I owed {$68.00} now because the check was re-deposited on XXXX XXXX ( 2016 ) and a second charged was added. 
My complaint is : 1. When I spoke with the representative on XXXX XXXX and was informed that a program allowed me to pay a bill and be charge {$35.00} I accepted but the check was returned. 
2. Speaking with a representative on XXXX XXXX he did not mention anything about the check not being honored and lead me to believed that he has reversed to {$35.00} charge he never said anything about the approval for overdraft protection being left up to " A Machine '' ( ATM ) for approval, 3. I called again on XXXX XXXX at XXXX asking why the additional charges and approvals. 
4. On XXXX XXXX about XXXX I again looked at my account and XXXX {$35.00} charge has been removed now I owe {$34.00} I need someone to explain what overdraft protection mean and why a machine is the only approval source and why representatives do not keep notes on conversations when they advertise that a conversation XXXX be recorded.
My Loan was transferred to Mr Cooper in XXXX of XXXX. Until then, everything was fine and being paid on time by the predecessor service Company. I got a letter in XX/XX/XXXX from my County which handles the real estate taxes for my property stating that my property taxes were not paid and my taxes were considered delinquent! The payment was due in XX/XX/XXXX. When I called the county they said that they did not receive anything from Mr Cooper. I then called Mr Cooper and got the full run around from person to person to person. Each one saying something else like " oh it shows here it was sent out last month '' or " we can not tell you any details on check number or weather the check was received by the taxing authority or cashed ''. 

I decided to give them the benefit of the doubt and wait an extra week or so to see if the county district  was just delayed in its processing but when I called they informed that they did not receive anything. I have read other reviews online and see very similar stories. Someone needs to do something about this!!! This can not keep happening to regular mortgage paying homeowners!
I called Transunion on XX/XX/XXXXin regards of an account on my credit report that was reporting accurately. They told me to send in proof of payment. In which I faxed to them the letter from the creditor stating the account had been paid. I received a letter from Transunion dated XX/XX/ stating that the information they are reported is accurate. I sent Transunion the paid in full letter and they still wont update my credit report and thats all I wanted them todo.
XX/XX/XXXX I called Toyota Financial Services in order to defer my lease payment for that month as I had done in the last 6 years. When the payment was not processed correct, there was back and forth phone conversations which I initiated, and Toyota assured me things were being taken care of.After getting multiple answers from different people I faxed in the requested paperwork. I made my payment for XX/XX/XXXX as normal. Then, in XX/XX/XXXX I purchased a new vehicle from a XXXX dealership. The cashiers check was shipped on XX/XX/XXXX and the check arrived at Toyota 's payoff center on XX/XX/XXXX. The XXXX receipt shows the address as well as the name and signature of the person who accepted the payoff payment. It was n't until about a week later when Toyota Financial called my work extension to say that I was over thirty days late for my payment. This started a vicious cycle. Since XX/XX/XXXX, myself as well as my husband have called numerous times in order to get the issue taken care of. We have done everything requested by XXXX. Filed a massive amount of paper work, faxed over copies of the check, as well as who signed for the overnight delivery of the payoff for the car. We 've provided all the necessary information needed in order to handle this situation and there is still no avail. We 've been given the run around for over five months, and Toyota has since reported us late to all three credit agencies on two separate occasions. Each time I call in with a reference number or employee ID I can not be transferred to the same employee. Each time we call in, its a different story. Currently, my me and my husbands credit is being negatively impacted as Toyota still shows an outstanding balance, and says that we are over 60 days late. I have not owned the car in well over 6 week, the payoff amount was verified more then once. Toyota at one point told us that they were process the research for where the check was ; only to have someone else tell me they 're not even sure they have a check. I can not talk to the credit department, as they only give me an address to mail a letter in.There is no more that we can do in order to fix this situation. We need help.
Portfolio Recovery Associates , LLC obtained a judgment against me in XXXX XXXX XXXX XXXX ; XXXX XXXX, XXXX XXXX, OH ; 12 CVF 0432. This judgment is for account/reference number XXXX, which was paid on XXXX XXXX, 2016. I was told by a representative for Portfolio Recovery Associates that they would file a Satisfaction of Judgment with XXXX XXXX XXXX XXXX within 30 days of receiving payment for the collection account. It is now over 50 days since Portfolio Recovery Associates received payment for this judgment and they still have not filed the Satisfaction of Judgment with XXXX XXXX XXXX XXXX. Over two weeks ago, I sent Portfolio Recovery Associates a Certified Letter asking for the status of their filing the Satisfaction with the Court, but have received no communication from them.
I never lived on XXXX XXXX. My sisters name is on my credit report. XXXX XXXX is my little sister
I received a confirmation from XXXX on XXXX XXXX, 2016 that all lines on my account were disconnected, and had a zero balance due. 

On XXXX XXXX, 2016, I received communication that I owed {$290.00} on my account, as there was a line of service still open and it had been accruing monthly charges. 

I told them that this debt should not be my debt, as when I received the communication on XXXX XXXX, 2016, I had taken that to mean that all of my accounts were closed. 

When I tried to clear it up with XXXX, they would not waive the fee, even though this was their mistake, and even though I had never actually used the line of service ( it was opened, and placed on hold, which is why, when I received the communication on XXXX XXXX, I had assumed it had been closed due to never being used ) Since then, they have sent the bill to debt collection, and now debt collection has reported to the XXXX credit reporting agencies, which has dropped my credit score from a XXXX as of XXXX 2016 to a XXXX as of this month.
i was buying something and they told me to send through friends and family it was on paypal btw and i got scammed
A Quit Claim Deed was filed on XXXX/XXXX/2014 from a third party foreclosure buyer of an HOA foreclosure to deed the house to The Bank of New York Mellon F/K/A The Bank of New York, as Trustee for the Holders of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. The Bank of New York Mellon has refused to acknowledge the Quit Claim Deed and has not accepted ownership of the home located at XXXX XXXX XXXX, XXXX, FL XXXX. The house was abandoned by the homeowner more than three years ago and is an eyesore and danger to the community. The pool in the backyard is black and disgusting and remains uncovered and unsecured. The fence surrounding the backyard is in a state of disrepair. There are black stains covering the outside of the house, and the lawn is unkempt. The pool is a breeding ground for mosquitos which is a threat of disease for the residents in the area. There are small children that live on the same street that have not been allowed to play outside due to the parent 's fear that they will somehow access the backyard of the home through the dilapidated fence and gain access to the black pool and drown without anyone knowing.
My payments on a loan modification have been getting higher and higher. I am recently divorced the agreement was I keep all the bills and he let me keep the housr with my XXXX young daughters. The house will go to them. I am struggling to make the higher payments i submitted paperwork for refinance help to seterus inc months ago, more than once. Now seterus has sold my loan to XXXX and they are telIing me I have to start all over. I also have a second mortgage with XXXX an equity line of credit that charged me home insurance when I already had it. My payments went up and I am currently behind I pay but not the amount I now owe which has gone up to almost {$2000.00} I am stressed out of my mind. I do n't know what to do anymore. I was told the interest would n't go up anymore yet it 's gone up again.
I do not know who this company is, never recur correspondence about this supposed debt. I am a military vet and I want this false collection removed from my credit report.