WillisBack/dataset-financial-user-claim huggingface dataset:
I received a collection letter from Enhanced Recovery Company , LLC regarding my XXXX cable account and a balanced owed for {$77.00}. I contacted XXXX and inquired as to the debt and as to this company. First, my account had no debt and second, XXXX does not hire outside collection companies according to the recovery department with XXXX. 
I want to report this company as a total fraud.
I had federal loans and they were sold to a group called Nelnet. Nelnet continually loses my paperwork. Every time I send them my paperwork ( and this is the third time ) it mysteriously vanishes. They send me an email or something in the mail telling me I have an outrageous amount of money due. I call them, fill out the paperwork again, and work out ( or, at least, I thought we had worked out ) a reasonable payment plan. I 'M POOR. I do n't make much money and want to pay my loans back. But Nelnet keeps pulling this - and they 've done it again! I 've sent them my tax information for the third time now and they told me they 'd put me in a payment plan around {$100.00} per month. They just sent me an email saying my next payment would be over {$2000.00}. This is obscene.
XXXX XXXX Inquiry on XX/XX/2017. unauthorized inquiry had been made on my credit report, I did not authorize this company to run my credit report.
I had my vehicle stolen and burned. I contracted XXXX XXXX XXXX about the situation and they told me that was fine and insurance would cover the issue. Insurance took care of the issue several months later, but they claim that I still owe {$1400.00} on the account from the months that were not paid. This has been over several years now. I documentation from them showing that the account is paid in full. Yet they refuse to change it on the credit bureau report and they say that I still owe them {$1400.00}. 

I have disputed this issues with all 3 credit bureaus ( XXXX, Equifax and XXXX XXXX ) and requested a validation and to receive the information from the validation. No information has ever been received from any of the three credit bureaus. Equifax list the amount owed as {$4200.00} ... 

XXXX XXXX XXXX and the 3 credit bureaus have ignored all request in regards to updating this information properly. 

See the enclosed attachments ....
My name is XXXX XXXX and I am a U.S. Veteran. my Identity was compromised between XX/XX/XXXX and XX/XX/XXXX. During this time a fraudulent lease was opened in my name with XXXX XXXX and is being negatively reported by XXXX XXXX XXXX. XXXX XXXX XXXX and Experian are aware of the fraudulent account, however, as of todays date the negative item still remains on my account. A military police report has also been filed and my unit is working with the Federal Trade Commision and the Consumer protection agency to resolve the matter. Please have XXXX XXXX XXXX remove this from my account immediately as it is causing me economic harm. I have also included a identity theft report from the federal trade commision regarding the complaint. A notice will also be sent to XXXX XXXX XXXX.
Back on XX/XX/2010 I found a house in XXXX Ohio XXXX with a for rent sign in the window. I called the number XXXX and a guy answered by the name of XXXX XXXX and advised me he was with XXXX XXXX  at XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX  and that I could obtain the property if I could fix the home to live in and pay XXXX down and XXXX a month until I reach XXXX for the deed to be transfer in my name or I could opt to rent the home. Well it sound like a great idea at the time due to my living situation. So he forward me an application I completed it and he sent a notary to me to sign a contract then I sent him XXXX and I paid XXXX for a few months then I went to call the number to ask some questions it was disconnected. Then I started receiving letters from different loan servicing companies. So I started to do some research online and found out it was a scam the taxes were not being paid and the contract was never filed with the state of OHIO as a land contract or anything. I started to read online reviews and it said to just follow the lender so as I am getting letters from different loan servicing companies which was about five I believe telling me to pay. I just started to pay seeing as if I just spent XXXX to fix up the home. Then the amount change when it went to clear spring loan servicing aka sortis financial so I stop making payments and been trying to fight my way out of the home with my good name in tack. Out of all the loan servicing companies who were collecting for whoever this lender is only one has reported to my credit bureau which is clear spring loan aka sortis financial they had reported this is a conventional loan mortgage, and it is close due to transfer with a XXXX balance. I am in the market to try to obtain a rightful loan with a bank and I can not get any assistant from the OHIO HOUSING FINANCE AGENCY. Because its reported on my bureau I have a mortgage. Theres no deed with my name on it from the state of Ohio, I have no rights to obtain anything on this property. This is fraudulent I have contacted an attorney who told me to move and walk away. But its reported to my credit report as if I had a mortgage. I been in contact with SORTIS FINANCIAL AKA CLEARSPRING LOAN and they will not remove this from my CREDIT REPORT they just keep giving a explanation its close as transfer to another lender who has not reported to my credit report. I keep disputing this with the credit bureau and only XXXX has removed the remark. XXXX and XXXX will not remove this remark. Please advised me
XXXX XXXX called me on XXXX/XXXX/2015 collecting for GM financial I explained to them the the account with GM financial was over the statue of limitations for collection XXXX XXXX explained to me to send them a validation letter and she would send the file back to GM Financial. I received the letter from the company on XXXX XXXX,2015 and sent a validation of account to XXXX in the meantime they inquired on my credit with all XXXX bureaus on XXXX XXXX,2015 after I spoke to them over the phone and put them on notice when I called them XXXX XXXX, 2015 to confront them they told me that GM financial gives them authorization to pull my credit. I did not authorize XXXX to pull my credit and GM financial account is null and void due to statute of limitations.
I have a case number from a former complaint case # XXXX On XX/XX/XXXX I received a loan modification from Nationstar Mortgage ( my former mortgage company was XXXX ) when Nationstar took my loan over my loan increased almost XXXX, which I questioned several times but no one at Nationstar could tell me. That 's when I sent you the complaint and then the XXXX was taken off my loan. One of the many times I called and questioned was on XXXX/XXXX/XXXX I called Nationstar and asked why my loan went from XXXX to XXXX ref # XXXX also another ref # XXXX for property inspection fees and legal fees. For XX/XX/XXXX until I sent you the original complaint I never missed a payment. When I talked with XXXX XXXX employee # XXXX today, XX/XX/XXXX she stated this had been one of the complicated cases she had ever seen. I then call XXXX @ XXXX which was the one that was suppose to send me papers which I never received. One of my problems is they have NEVER sent me mod. Papers to sign like XXXX told me and several other Nationstar employees have told me. Another problem is why should I have to do a whole other modification when it was Nationstar 's error? Nationstar said today that they denied the modification from XX/XX/XXXX because I never sent the signed papers back. I never received the modification papers. Please help me this has gone on way to long. XXXX XXXX XXXX
I FILED CHAPTER XXXX AND THE CREDIT CARD COMAPNY CONTINUE TO REPORT INCORRECTLY.
" Here are the facts, according to Equifax. The breach lasted from mid-XX/XX/XXXX through XX/XX/XXXX. The hackers accessed peoples names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people. And they grabbed personal information of people in the XXXX and XXXX too. '' Equifax waited almost 3 full months before letting consumers know about potential identity theft. I do n't have a choice on whether or not they collect my information, so it needs to be protected
On XXXX XXXX at XXXX AM I called Seneca Mortgage Servicing and spoke with XXXX. I requested information about having PMI removed from my loan. I explained that I had made several improvements to my home, but the majority had taken place before the refinance. He said that improvements would be excluded if they were included in appraisal when we refinanced. However, we had a computer appraisal so the improvements we made were not included in that appraisal. There was no way for the lender to know about the major improvements that had been made. In that case, He explained to me those improvements would not be listed in the XXXX or computer appraisal. They would be considered among the improvements that could count toward the PMI removal. I asked him how certain he was of this information. He said he was very certain. Based on this discussion, I decided to move forward with having my home appraised for {$450.00}. I sent in the check and had my home appraised a few days later. 

On XXXX XXXX I called Seneca Mortgage Servicing to determine the status of the PMI removal. I had a XXXX hour conversation with XXXX. I spent most of my time on hold. I was told that the appraisal had not been received. However, they wanted me to submit proof of improvements. They said that they wanted to know when the improvements had been made so that they could determine if they resulted in the increase in market value. I explained the conversation I had with XXXX. She said that none of the improvements before the refinance could be considered. I explained that if I had known this information, I would not have proceeded with the PMI removal request. I felt that Seneca knowingly mislead me into providing them with {$450.00} for an appraisal that they knew would not result in the removal of PMI. 

Furthermore, XXXX refused to explain what was defined as a significant improvement. In addition, she refused to provide the ratio of money spent on significant improvements and it 's relation to market value. Finally, she said that the appraisal had not yet been received. Yet, she quoted the appraisal several times, noting that the appraiser had noted that the kitchen had been remodeled XXXX5 years ago and Seneca needed more documentation regarding the improvements. 

When I called again on XXXX XXXX, I was told that the appraisal had been received on XXXX XXXX, XXXX day before my conversation with XXXX. On XXXX XXXX by fax and XXXX XXXX, XXXX, and XXXX by phone, I requested a fax and mailed copy of the appraisal. Only received it by fax after the request had been denied.
I monitor my credit XXXX score each month when I pay my XXXX Card balance. This month the score went down XXXX points and it stated that it due to information in my Trans Union Credit report. I ordered my free annual report from Trans Union and on it there was no negative information that should impact my score. I called the Trans Union number given on the report to see if they could explain, but had no success. Although my all my accounts are marked as current and no negative information was reported, they could not assure me that the factor that is negatively impacting my credit would be corrected. I tried to file a report online to dispute this situation but could not because my problem did not fit into a dispute category.
I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are medical bills that are unverified. I have on several occasions sent letters to all 3 credit reporting agencies as well as ; the collection agency, which i have not received any validation of debt. 
Additionally, any reporting of debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. 
COMMONWEALTH FINANCIAL SYSTEMS in the amount of {$410.00} XXXX XXXX XXXX in the amount of {$630.00}
I have a loan on my credit report that has been sold to XXXX from a company called SPEEDY CASH. I contacted XXXX and asked for information on the account because I do n't have any knowledge of the account. The representative could not provide me with any information except for the date it was opened and from where it was from. I asked for the original contract and the representative told me they did n't have it because I wanted to find out who did this. I advised the agent that I had been incarcerated in XXXX prison since XXXX until XXXX and at the time among other accounts this was not mine. I have sent a letter to them but need to file a complaint in reference to someone opening this account and a bank account w/o my permission.
Penn Credit Corp contacted me at my employer a few weeks back. This was after repeated phone calls on my cell phone previously. I told them they ca n't contact me at this number, as it 's a business line. My employer does n't allow phone calls not related to the business. On the XXXX/XXXX/XXXX they once again called me at my work. I once again informed them they ca n't use that number to contact because it 's not allowed and had to end the call before I got caught. Tonight, XXXX/XXXX/XXXX they once again called me at my employer around XXXX and I explained for a third time they ca n't call me at this number and how it 's not allowed. The woman tried telling me nobody contacted me before and nobody was told they ca n't use this number. I checked my XXXX XXXX report and they reported they had contact with me and lied saying resolved and that I disagree when we were never discussed anything besides the line they were calling me on is forbidden.
Midland Credit Management has been harassing me about a debt for awhile and will not remove it from my credit report. I have written letters to them to validate the debt. Each time they will not provide me with documents that I request. 

They have been asked to provide a document with my signature to show a contract was created for the debt but they do not and instead just send me a generic form they use which always seems to have the phrase " We are uncertain of what you are specifically disputing. '' I also indicated I have no contract with them between myself and their company. They will never respond to this either. They are trying to collect on a debt that has been in dispute. It is crystal clear what I am asking. I ask of them to provide me documents to reserve my consumer rights.
On XX/XX/XXXX, my mortgage analyst discovered a judgment against me when he was completing title work for a new home I wanted to purchase. On the same date, I contacted XXXX XXXX  ( original creditor ) and they said the account was transferred to XXXX for collections and from there it was transferred to Brock & Scott. 

Since then I have contacted Brock & Scott at XXXX extension XXXX ( XXXX ) and extension XXXX ( XXXX ) several times and each resolution specialist informs me that my file is on hold and they are unable to discuss it with me until the hold is released. None of the resolution specialists have any definite answers as to when the hold will be released. They encourage me to keep calling the company back with hopes that the hold will be released soon. After the hold is released, the resolution specialists said I would receive a letter from Brock & Scott. They did not provide me with any details as to what the letter would contain. 
As of today, XX/XX/XXXXI have not received a letter from Brock & Scott. To resolve this issue, I would like Brock & Scott to provide me with verification of debt and the aforementioned letter.
I received a loan in XXXX through Sallie Mae for XXXX dollars for the XXXX program. My XXXX co-signed for me to get this loan. 

I have had it deferred and also have paid. In total I have paid XXXX and my loan amount has actually gone UP. I now have a balance of XXXX. Now that sallie mae is under Navient I have tried to talk to them last year and have gotten nowhere. The payments I made last year have only gone to interest. Also my XXXX who co-signed the loan is not showing on he loan at all anymore. I dont know how you can take someone off a loan but I didnt do that so with how things are being handled there is something suspicious and fraudulent going on. I am struggling to understand what I can do since there is no help for private loans. I have contacted legal services and there are similar cases to mine but I do not have the money to pay an attorney to fight this. I have attached my payment history. Navient has a class action lawsuit against them and I have contacted them via phone and email for the class action case but no update.
I am a loyal customer at AMEX from 1993. I Opened a new AMEX XXXX XXXX card and I decided last month to enroll it in auto pay. I got the confirmation. Today I received a note that my account is delinquent and they increased my rate, because the auto pay kicks in only after a month. In this way for the people busy ( like myself ) who do n't read a lengthy autopay confirmation that states this, it is a trap to increase their rate. This should be stopped, and forced these companies to remind you this if you did n't pay the dues before the autopay.
XXXX at XXXX XXXX- Kings Credit Service called my place of employment. Said they had every right to contact me at any of the numbers they had. I explained to them that they can't contact me at work or my employer because I am not allowed calls at work and will be fired. XXXX said that was incorrect they could contact me at work if they couldn't get in touch with me any other way. I explained to her that i didn't know about the bill at first, thought insurance had paid it but can't afford to pay it right now. i am trying to pay other dr. bills as much as i can at the moment. I remember the bill from XXXX XXXX saying they would not take payments you had to pay all of it at once if insurance didn't pay. I called XXXX back and told her that i could not get calls at work and that it was not legal for them to contact me after i tell them not to at work. she stated that it was legal and they could contact me at work if they needed too. again, i will be fired and can't get calls at work. I also sent them an email to contact them and told them not to contact my employer or me at work.
XXXX XXXX appears to be scamming consumers to collect 26.99 % interest on XXXX store card balances. On my XX/XX/XXXX statement, there were {$260.00} in new purchases, no interest charges, with a total balance of {$550.00}. The rest of the total balance falls under a 0 % financing offer through XX/XX/XXXX. There is no specified minimum payment associated with the 0 % balance. I paid {$270.00}, which is reflected on my XX/XX/XXXX statement. Synchrony arbitrarily decides not to apply {$92.00} of that to pay off the prior month purchases and instead begins charging XXXX interest on it. I call them immediately upon receipt of the statement and they say they will credit back the {$2.00} in interest charged. I told them this is not acceptable as the entire fix, the entire unpaid balance is 0 % until XX/XX/XXXX. I am told customers have to go onto their website and allocate payments. Again, I told them not acceptable, who has time to do that for 20+ bills paid per month? Asked them have a supervisor review my account, make sure this does not happen again, and told them I will make a CFPB complaint if it does. Sure enough, received statement dated XX/XX/XXXX today and the problem is only worse. New purchases of {$140.00} should have been covered by my {$150.00} payment. Instead the unpaid purchases balance is now {$400.00} with {$9.00} interest charged. This type of gross misapplication of payment could quickly cost consumers billions of dollars.
For the last several months American Express has been applying interest to my account when there should be 0 % interest applied to this card until XX/XX/XXXX I contacted American Express XX/XX/XXXX regarding the most recent interest charge in the amount of XXXX applied on XX/XX/XXXX. I was informed that someone from Amex would be contacting me no later than XXXX. No one from Amex called so I reached back out to them on XX/XX/XXXX and was informed that a dispute was opened. I was not provided a dispute number/case number by phone or email. I contacted Amex on XX/XX/XXXX and Amex acknowledged that no dispute was ever opened. The previous XXXX months this issue was resolved in less than XXXX minutes by contacting customer service. I am uncertain why Amex has failed to credit my account as no interest should be applied until XX/XX/XXXX
On credit report XXXX Equifax, XXXX states XXXX negative accounts, XXXX positive accounts, XXXX inquiries. 
However XXXX XXXX XXXX after 36 months of paying debit for cell phone bills will not sell a XXXX down cell phone at XXXX dollars per month because of ruined credit and harassment. 
Being a veteran I was billed for XXXX treatment hospital care, and sent to collections feeling I was billed XXXX dollars for XXXX treatment at non VA hospital my question when my employers and veteran payee pays over XXXX, XXXX dollars in XXXX payments WHY cant XXXX pay the non VA hospital bills. There is wreckage of the past that causes abusive unfair credit reporting. Since 1985 I do not use credit cards.
I never opened this accounts and I never authorized it fraud XXXX XXXX Reported : XX/XX/XXXX + {$470.00} Closed XXXX XXXX   Reported : XX/XX/XXXX + {$0.00} Closed XXXX XXXX XXXX Reported : XX/XX/XXXX + {$0.00} Closed XXXX XXXX Reported : XX/XX/XXXX + {$510.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/XXXX + {$490.00} Needs Attention XXXX XXXX Reported : XX/XX/XXXX + {$240.00} Needs Attention
Company continues to call after being asked NOT too, harrasses, uses vulgar language and name calls, impersonates police officers and state authorities, makes false claims about opening criminal cases for not paying debt. Caller has never validated debt by mail or by phone, and will not allow caller to submit identity theft paperwork or police reports to their office. multiple callers will get on the line and shamelessly bash you into the ground.
Equifax ref : XXXX XXXX XXXX you are the only one showing this account on my report there was a fraud alert posted filed with all gov doc s this account is under protest and has been FCRA section 623 and FDCPA 806 { b } state that the creditor must enter a notice of dispute .if this is not entered the account can not report on the credit file in which I have disputed with you for over 6 months. according to the Fair Credit reporting act section 609 { 8 } { 1 } { A }, you are required by federal Law to verify- through the physical Verification of the original signed consumer contract any and all accounts you post on a credit report .otherwise, anyone paying for your reporting service could Fax -email in a fraudulent account.I demand to see Verifiable proof { an original consumer contract with my signature on it } the other reporting companies could not produce this and removed it } .your failure positively very this account has hurt my ability to obtain credit .under the FCRA, Unverified accounts must be removed as the other credit companies have. you have on file all documentation government and police reports to handle this matter and remove this account, account does not state in dispute