WillisBack/dataset-financial-user-claim huggingface dataset:
This dispute is with Experian and XXXX. Original alleged debtor is XXXX. I spoke with XXXX- they could not discuss my file or give me any information because the file was too old. I spoke with XXXX and XXXX, they would not and could not send me documentation showing that I was given notice of this debt. I had no knowledge of this until I checked credit reports. There are XXXX solid reasons- legal reasons- to remove. There is a lot more, but the agencies are not able to include all details as they are limited to number of words. This report is being done illegally, maliciously and incorrectly. It is also being reported by XXXX. Transunion removed it! As all should. I want to file charges against XXXX, Experian and XXXX and file an official complaint with the FTC and States Attorney Office.
On XX/XX/XXXX, after signing a contract to purchase a XXXX XXXX XXXX for {$38000.00} at a XXXX dealership, I decided to cancel it, after which the dealership started shutting down before I could examine the vehicle. I only managed to contact my insurance company due to the fact I had to vacate the premises. 
Once I got home I only was able to contact the loaner 's ( General Motors Financial ) customer assistance line.They said I would have to call back to " reverse '' the loan on XXXX XXXX, XXXX. The GMF system was still down on XX/XX/XXXX and intermittently .Yesterday I first spoke with a team leader at General Motors . He ( XXXX ) said that the contract is binding because I signed it.
I recently purchased a new car. My financing is through GM Financial, XXXX XXXX XXXX, XXXX, TX XXXX. My payment due date is the XXXX of every month. I received my first statement on XXXX XXXX. I thought this might be an aberration on account of this being a new loan. However, as of Tuesday, XXXX XXXX, I have not received my XXXX statement. I called customer service and spoke to 'XXXX XXXX ' He said my statement was mailed on XXXX XXXX. However, I should have received my statement on XXXX XXXX, not have it mailed on that day. I asked him about tracking my statement by using the intelligent mail barcode on the envelope. He said they could not do it. He is wrong. This is XXXX reason why the XXXX Postal Service developed the intelligent mail barcode as per this article : XXXX XXXX XXXX
Hello, In 2010 I XXXX  from college and began repaying my student loans. I had federal loans which were consolidated into one subsidized and one unsubsidized. Some payments went into deferment while I was getting my XXXX XXXX XXXX. About 2 years ago, after Navient had become the servicer of these loans, when the loans came out of deferment and I began making payments for all I applied and received approval for an income based repayment plan which also included a 10 year debt forgiveness component because I am working for a XXXX XXXX. I setup monthly automatic payments to be taken out of my checking account. These payments came put monthly without any problem for a good amount of time, I would estimate a year or more. Strangely, without any notice from Navient, and with no indication that it had do to with any issue from my bank, these automatic payments which were setup through navient simply STOPPED. I did not know they had stopped, I did not receive any word that my payments were not being collected, not even any warnings. They have simply stopped collected payments from me. While on my end, in the short term this seemed like a good thing because no one was asking me to pay, in the big picture this hurts me because I believe that it sets back the 10 year timeline of debt forgiveness that by now I should be 2 or 3 years into, through no fault of my own, and through Navients failure to even tell me that I was not paying them. In the business of my schedule as a XXXX   and a father, I have only tried once to find out why the auto payments stopped and to reinstate these payments, but I was not able to get a solution. I am going to make another attempt. But I can't help but wondering if this is related to the larger issues I am seeing in which Navient has received serious allegations for innapropriately handling their business. Is it worth looking more into for this situation, should I pursue further action? Or is my situation not one that would be eligible for correcting? Thank you for your time!
The company claims to be Bank of America. The address is XXXX XXXX XXXX, XXXX, FL XXXX. I have a feeling they are a 'service company ' applying hidden fees!! I have asked 5 times in 14 months for an accounting of the money I pay each month. The errors in math are explained as 'special calculations ' for my type of loan? I allowed my personal bank XXXX XXXX XXXX to view the information and not even their Mortgage Bankers could figure out where or why my balance n pay off are not calculationg properly.
Bank of America forced placed insurance on my loan. They sent a lettering claiming that there was no insurance on the property. However, there has never been a lapse of insurance on the property. Proof of insurance was provided to them on several occasions ; once by the insurance company and no less than two times by me. One time was faxed per instruction of the first letter. When the second letter was received I called them and per their instructions uploaded it to their website per their instructions, which was supposed to resolve this issue. When I received an escrow statement for the following year with a negative balance for the period they claimed for no insurance coverage. I do not escrow for anything.
My name is XXXX XXXX XXXX and in XXXX of 2015, I applied for a loan with Cashnet USA. I applied because, I desperately needed the money to help save my home. It did n't help because I eventually, lost my home anyway. I feel like I 'm being taken advantage of. I did n't realize that my interest payments were 24 %, but, it would not have mattered because I needed the money. On a loan for {$800.00}, to date, Cashnet USA has taken out {$2400.00} dollars from my account. I am asking that CFPB investigate this matter and issue a cease and desist order to Cashnet USA to stop debiting my account. As of today, XXXX XXXX, I owe them {$100.00} and a balance of {$340.00} dollars. At this rate, I will never be able to pay this money back, when in fact, I 've already paid them three-fold. I must add, that I am a XXXX. Please help, I am about to become homeless.
PayPal received an overpayment from my personal bank, in which I requested a refund, and a check was sent to me in the amount of {$200.00}. I never received the check. However the check was cashed by a XXXX party that I do not even know. Now, I am being advised by PayPal I must file a complaint with the XXXX XXXX XXXX that cashed the check. However, XXXX XXXX XXXX says because I am not their client, in which PayPal is their client, PayPal must complete the fraudulent activity. PayPal refuses to file the complaint, or send me my {$200.00}.
CapitalOne charged me a fee for a secured card when I opened my account in XXXX. I paid the fees with funds from my XXXX checking account. CapitalOne informed me a few weeks ago my status was changed from secure to unsecured as a credit card holder with CapitalOne Bank. However, CapitalOne did not refund the fees charged to my checking account and instead, placed the fee on the CapitalOne credit card. And CapitalOne has not refunded me the XXXX interest on the fee charged.
On XX/XX/XXXX my mother and I went the bank to refinance her existing HELOC to prevent it to going into the end of the draw period that will end XX/XX/XXXX, which will increase her payment substantially. You may be eligible to refinance your existing HELOC they wrote. The bank opened the loan on XX/XX/XXXX. 
My mother, at that time, was elderly, XXXX XXXX XXXX XXXX had XXXX XXXX. With her debt free home she was easily approved. 
Armed with credit scores in the high 700s as well as a fifteen year history of no missed payments, the banker thought it would be no problem to be approved to refinance the loan as we could not afford a {$900.00} per month increase. 
On XX/XX/XXXX I was told the underwriter found a {$1000.00} credit card debt from 20 years ago I had not paid. I said that was a mystery to me but I would be glad to pay it now. He said once you do not pay us we will never give you any credit. Your mother is however, approved. 
Few days later, we received a letter from their corporate off that she was denied credit because Applicant has poor or no previous experience with the credit grantor.
Fair Collections and Outsourcing are Reporting a Rental Debt that is beyond the Statue of Limitations. Subsequent, to my request to Validation of Debt, Fair Collections and Outsourcing sent me to the sign Rental Agreement and Ledger. The Ledger shows the First of Delinquency beginning around XX/XX/XXXX to XX/XX/XXXX and was never brought current in which led to the eviction process. Although, XXXX was supplied the Ledger, it  refused it and now Fair Collection and Outsourcing continues to report the debt on my Credit Reports.
Written on behalf of homeowner By : HUD certified Housing  Counselor  Please find the following letter fro m M & T ba nk in regards to non-acceptance of our Authorization to Release Information. It bothers me a good deal that this was the response given. The authorization offered was signed ( e-sign compliant ) and legible as well as dated. Additionally, the homeowner submitted  an M & T branded ARI whic h did include a physical signature.     Please advise -Thanks
This is an update based on new gathered information regarding Notary XXXX XXXX, an employee of Aurora Loan Services , LLC and Nationstar Mortgage , LLC. 

Please see attached letters from Colorado Secretary of State XXXX XXXX XXXX-Notary Section, Licensing & Enforcement. 

As of today, XXXX XXXX, XXXX, I have confirmed with XXXX XXXX that XXXX XXXX was required to and has failed to submit any copy of her journal entry for XXXX Quit Claim complaints filed against her from XXXX XXXX. 
We are disputing the validity of XXXX Quit Claim documents signed by XXXX XXXX and recorded in the XXXX XXXX County Recorders Office # XXXX on XXXX XXXX, XXXX and the XXXX XXXX County Recorders Office Document # XXXX on XXXX XXXX, XXXX. 
These documents are claiming that Nationstar Mortgage , LLC has sole beneficiary status of residential property. It is apparent by XXXX XXXX, an employee of Aurora Loan Services , LLC and Nationstar Mortgage , LLC. has deliberately refused to adhere to the Colorado Secretary of States numerous demands to produce the required journal entry for XXXX documents. Furthermore, I have attached an unrecorded Corporate Assignment which was submitted by Aurora/Nationstar attorney XXXX XXXX XXXX of XXXX only to the CFPB, however, XXXX XXXX has never filed this document with any court. XXXX XXXX is listed in a FOIA CONFIDENTIAL TREATMENT REQUESTED BY XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX as Assistant Vice President of XXXX 's investment division which we believe is a conflict of interest as he has continued to litigate in bahalf of both XXXX and Nationstar by XXXX XXXX. ( Download of XXXX pages will not attach. I will mail a copy to the CFPB ) We are asking that the CFPB address and investigate these important notary violations from XXXX XXXX and her employees at Aurora Loan Services , LLC. and Nationstar Mortgage , LLC. 
If I can be of any further assistance in your investigation, please contact me anytime. 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX
I XXXX XXXX do not have a complaint with any of the credit bureaus. This complaint is to make the credit bureaus aware that there is a debt collection agency that has abused my credit with XXXX and Experian respectfully. All debt collection agencies sign an agreement with the credit bureaus to report collections within the rules bureaus submit in their agreements. In XX/XX/2015 the CFPC ( Consumer Financial Protection Bureau ) reached  an agreement with the three major credit bureau on a change in rules on the reporting of medical debts. The rules call for a 180-day notice that must be submitted to the consumer that he/she has 180 days to rectify the collection, either through insurance, settlement or paid in full with the original medical facility or debt collection agency before the collection can be reported to a credit bureau. A copy of this decision from the CFPB is attached to this complaint. I am certain that the collection agency in question, XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX is in violation of the rules with thousands of consumers, and their agreement with the bureaus must be voided immediately to stop this egregious activity that destroys consumers credit ratings. The collections must be terminated permanently and this agency should be given serious fines and sanctions by the CFPB accordingly. This activity by medical collection agencies must be given a stern discipline to cease such activities that hard consumers credit.
I disputed a XXXX XXXX 30 day late via Equifax 's dispute process and submitted a bank statement that shows 2 months of debit payments from my savings account to my XXXX " loan '' account ( XXXX XXXX and XXXX XXXX ). Equifax did not consider this, or other submitted documents, that prove timely payments and suggest an error on the creditors part. Equifax continues to show an erroneous 30-day late payment for XXXX XXXX.
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I was a member of XXXX XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) since XXXX ; I had one credit product, a XXXX card ( " loan '' ) displayed on my Equifax credit report as " account # XXXX. '' XXXX XXXX XXXX bought XXXX around XXXX, and just recently ( XXXX ), XXXX XXXX XXXX XXXX ( " XXXX '' ) bought XXXX XXXX XXXX ; However, Equifax STILL shows the XXXX account as XXXX XXXX ( EQ never updated the name changes ). The process of merging, transferring, and issuing new account numbers were phased-in by XXXX over three months : XXXX, XXXX and XXXX XXXX. 'My accounts ' page included my savings account and I would pay my XXXX  by simply transferring money from the savings account to the XXXX account ( " loan '' ) : I provided a bank statement to Equifax showing this activity for XXXX XXXX AND XXXX XXXX, this PROVES that my payment was made and was not 30 days late.
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Furthermore, when I click on the " Historical Account Information '' link I see that XXXX  has supplied Equifax with incomplete, erroneous, and contradictory information, yet Equifax continues to report it in violation of the Fair Credit Reporting Act. For instance : the " Date of Last Payment '' row says "XX/XX/XXXX, '' and the " Amount Past Due '' row says " XXXX '' for the months XXXX XXXX thru XXXX XXXX. The account was closed XXXX XXXX XXXX, yet Equifax is reporting that it was closed in XXXX XXXX.
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The numerous errors on the reporting of this account is causing me a financial hardship and interfering with my ability to obtain other credit products.
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Equifax is the ONLY credit reporting agency showing this account as 30 days late ( XXXX XXXX ), XXXX and XXXX report this account accurately as " Pays as Agreed/Never Late. ''
Capital one refuses to send confirming letter to provide to mortgage lender confirming that they sent a request to the credit bureaus to remove late payments from my credit reports. I have online chat sessions confirming they have requested it, but when I ask for confirming letters they do not want to send it.
I paid off the balance of my student loans on XXXX/XXXX/XXXX. Interest continued to accrue according to my navient account after my final payment. Saturday morning at XXXX MST they also debited my account for what was my typical monthly payment prior to paying off the remaining balance, overdrafting my account and leading to a rejected payment on my car loan. This resulted in overdraft fees and rejected payment fees. This charge was made two days earlier than my regularly scheduled monthly payment, in the early morning on Saturday. 

When I noticed that interest was accruing after my payment, I contacted Navient 's customer service department via their email contact service through my account describing the situation. I received an automated response that did not address the issue. After the Saturday morning wrongful charge to my bank account I attempted to contact them via phone immediately, to no avail, and submitted another email request. 

I have not yet been contacted in any way by navient.
I was current on my mortgage and requested a modification from XXXX XXXX XXXX due to my husband 's illness and loss of income and was denied because I was current. In the process, XXXX suggested a short sale of the property. After retaining a realtor and going through the short sale process, we received buyers who had secured their loan. XXXX accepted the offer. During the closing process, XXXX continued to require additional documentation which caused me to lose the buyer. By this time, my financial hardship was excessive. With the anticipation of a short sale closing, we accrued additional debt to move out of the property, which caused me to become behind in my mortgage. Consequently, XXXX XXXX XXXX forced me into foreclosure because of their negligence in processing the short sale. Two years later, I 'm being harassed by Ditech Financial, LLC advising that I still owe for the property, although, the property was sold back in 2015.
I recently Checked my Equifax report. it has alot of inquires, that should not be there. I disputed them a few Months ago. they are still on there and they are dragging my credit score down. and making it hard to get approved for credit card offers.
CAPITAL ONE GRANTS CUSTOMERS THE XXXX SERVICES POWERED VIA XXXX, BUT ARE UNABLE TO USE BECAUSE XXXX IS BLOCKING MY CREDIT. CAPITAL ONE MUST CONTACT BOTH ARTIES OR BE SUED.
I requested several times that the reporting company verify the accuracy of the information disputed by did not cooperate..The accounts in question have nothing to do with me..Please step up CFPB and take the necessary steps to remove the accounts Bankruptcy chapter XXXX-discharged XXXX
Random account appeared in a collections account from XXXX. I have never done business with XXXX, and have no correspondence from any company by that name. Submitted dispute online through Equifax on XX/XX/2018, on XX/XX/18 I received an email stating that my dispute has been completed. When I attempted to log into the account, once I entered my information, I received an error stating my session had timed out and I must re-enter my information. After re-entering, it told me that the information entered in does not match records and was unable to access the results of the dispute. I called Equifax for an update on the confirmation number XXXX, and they told me that a dispute was never filed. When they opened the confirmation, they said it was only a consumer statement was added. Was advised that I would need to submit another dispute over the phone with Equifax. 
I also disputed this information with XXXX, and received the confirmation email also on XX/XX/2018. Today is XX/XX/18 and I have yet to receive a resolution on this dispute. It seems like these credit reporting agencies have no one else holding them accountable for following through with these complaints.
THERE IS A {$1500.00} DEBT SHOWING ON MY CREDIT REPORT FROM XXXXGeneral Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$1500.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$1500.00} Balance Updated XX/XX/XXXX Recent Payment Amount $ 0 Monthly Payment {$0.00} Original Balance {$1500.00} Highest Balance {$0.00} Terms 1 Months On Record Until XX/XX/XXXX Payment History I HAVE HAD THIS PROBLEM WITH THIS COMPANY BEFORE TRYING TO COLLECT ON A BANCKRUPCY OF OVER 20 YEARS. I HAVE NOT RECIEVED ANY NOTIFICATION IN WRITTING OF THIS DEBT THAT I DO NOT KNOW WHAT IT IS FOR. WHEN I CALL THEY INSULT ME SAY STOP TRYING TO GET OUT OF YOUR DEBT YOU OWE AND YOUR GOING TO PAY NO MATTER WHAT. THEY SAY IT IS FOR A MEDICAL BILL BUT THEY ARE NOT TELLING ME FROM WHERE. I HAVE MEDICAL INSURANCE SO THERE IS NOT A BALANCE OR DEBT. AND IF THIS IS FOR A XXXX DOCTOR THAT I CANCELED MY APOINTMENT DUE THAT MY MOTHER WAS ILL THEN THIS IS WRONG AND THE DOCTOR 'S OFFICE ARE REALLY UNPROFESSIONAL AND THE VISIT WOULD HAVE BEEN {$60.00} BUT I CANCELLED MY APOINTMENT AND IF IT IS FOR AN XXXX, THE DAY I HAD TO GET AN XXXX THE MACHINE WAS BROKEN. THAT WOULD BE THE ONLY MEDICAL SITUATION I CAN THINK OF. I RECIEVED A BILL FROM THE DOCTOR, I CALLED AND THEY TOLD ME IT WAS A MISTAKE AND THAT I OWE NOTHING.
Overnight on XX/XX/XXXX to XX/XX/XXXX, I received a direct deposit for {$2000.00}, together with a credit of {$220.00} and a manual cash deposit gave me a total of {$2300.00} in my account. {$24.00} was then spent leaving a balance of {$2000.00}. Overnight XX/XX/XXXX to XX/XX/XXXX, a check came through for {$2300.00} leaving a negative of {$24.00}. Before I could cover the deposit, the bank charged me {$34.00} overdraft fee even though I had time to cover this ( I still can. ) They refused to credit this back to me. The XXXX suggested that they backdated the check to collect the fee ( As per XXXX ) Please investigate and prosecute to the fullest extent of the law and have my {$34.00} credited back to my account. Thanks.
Around XX/XX/XXXX, I took out a loan with XXXX. XXXX I received an email saying that they no longer made loans in the state of XXXX and I needed to pay the loan off. I tried but the interest was out of control. I got behind on the loan. On XXXX XXXX, XXXX I received an email saying the loan had been sold to National Credit Adjusters in XXXX, XXXX. They started harassing me for way more money than the loan was for in the beginning even tho I had been paying for it for a year or more. They finally offered me a settlement of XXXX % of what they said I owed and they said that they would mark the debt off as paid. I paid the amount they requested ( over a year ago now ) and never heard another word from them again until last week. I checked my credit report and there is no mention of any debt with them. ( XXXX had been on there when I did owe them money but all signs of it has been gone for over a year now ) Last week I received another letter from them telling me I needed to pay them off and offering me the same settlement that I had already accepted and paid off over a year ago. I am afraid to call them as that would just give them my number again but this debt has long been paid. I do n't know how to handle this situation. I read several things on the XXXX web site where other people are also facing similar issues with National Credit Adjusters. All of their responses to the complaints people have submitted to the XXXX are all exactly the same and they have had their XXXX membership revoked for failing to attempt to resolve problems with customers. Can you please advise me on the best way to handle them? I really do not have the money to keep paying their settlements every year or so and I really do n't think that it is fair to demand to be paid again when they said they would accept the XXXX % that last time as full payment of the account. The original loan with XXXX was a total rip off that is next to impossible to get out of in the first place, but now National Credit Adjusters is taking it beyond the limits.
Company continues to call after providing proof of settlement of debt by my insurance company. The first letter stated I owed XXXX, I then contacted the company and faxed them my XXXX which showed my insurance paid the bill in full and disputed the claim in writing within the 30 day period. They then threatened to call my friends and relatives staying after reviewing the XXXX I owe XXXX according to the XXXX. I attempted to call the original creditor but they have gone out of business. They call several times a day harassing my family and friends.