WillisBack/dataset-financial-user-claim huggingface dataset:
I am submitting another complaint on Ford Credit for a number of issues again, in which my previous complaint was not answered correctly or accurately by Ford Credit, and thus I assume that Ford Motor Company would want to investigate the person who handled my previous complaint to see if they way I have been treated was not as a customer but as I can tell and others can as a person who is less than a human being, so in that regard perhaps a jury of my peers would agree with me that Ford does not care about customers whether they are former military members or not, not addressing individual 's complaints. My complaint before did not answer my own issues, and put in infomation correct, however, that may serve well in a future legal action as this account is still in dispute. 

My complaint today is Ford Credit still has not sent by mail, as I was told by the Redemption Department Supervisor that Ford Credit 's policy is not to allow me access to any of the document unless I " subpoena '' the documents which by my estimation is incorrect as I am not an authority of government, I merely asking by the law and common decency for myself to verify the loan documents and repossession which to date, Ford Credit has refused to provide over the phone, and perhaps in the phone recordings they can hear me ask for those documents or ask the individuals who gave me that information which I believe to be false, and I believe Ford Credit should change that policy if it exists as I anticipate it is against the law to not provide me copies of documents that are mine, they do not seem to create any issue I can anticipate that would hurt myself or others, perhaps it hurts Ford Credit potential case against me though, which is something a jury would have to decide is a valid way to settle a dispute with a customer, simply by ignoring customer requests with inaccurate and false information. 

Also, the New Jersey Division of Motor Vehicles is asking where the XXXX is and has threatened criminal action against me with a jail sentence, so while Ford Credit and myself are in dispute, will Ford Credit answer whether or not I deserve a jail sentence for Ford Credit 's negligence in simply mailing me the correct documents that my freedom is not taken away because Ford Credit simple did not provide me with documents. Also, I am disappointed Ford Credit did n't inform New Jersey the XXXX is possessed by them so that I do not face anymore adverse action than I already have, but perhaps Ford Motor Company does n't care about it 's subsidiaries Ford Credit and XXXX Ford just not caring about customers or the law.
Equifax is reporting an XXXX XXXX XXXX account that is past the statue of limitation. They refuse to remove it after several attempts. Neither other credit reporting agency is showing it because it's an aged account.
I recently paid off my XXXX account, I found they have reported a delinquent payment on this closed account to the three credit buearus. I have never been delinquent on this account.
My father recently passed away in XXXX, XXXX from a terminal illness and he was the cosigner on my loan. In good faith, I contacted XXXX to request a release of the cosigner and instead my loan is now considered automatically defaulted when I have never missed a payment since I got the loan in XXXX. Now, the debt collection company XXXX uses to scare people, SIMM, is contacting my mother who is distressed enough from the loss of her husband, demanding payment. I am requesting that XXXX recall the loan from SIMM and allow me to be the sole individual on the loan. It does n't make sense to treat this as a default because I 've been making payments on time and it will turn a good loan into a bad loan. Amount owed is XXXX and XXXX.
This is the second time that Bank of America has RETURNED my payment to my bank and charged me with a returned payment fee. 

When I have tried to call, they hang up on me. 
Please help/
I am writing this complaint with the assistance of my attorney. I am a victim of a mixed filed error. XXXX XXXX XXXX XXXX XXXX obtained a small claims judgment in the XXXX XXXX XXXX against a XXXX XXXX of XXXX XXXX XXXX in XXXX, NH ( See attached copy of complaint ). I am XXXX XXXX XXXX of XXXX Watersedge XXXX in XXXX, NH and I have never lived at XXXX XXXX XXXX. XXXX and Equifax inaccurately placed this public record information on my credit report. When I discovered the error the week of XXXX XXXX, I did a telephone dispute with both CRA 's and XXXX removed the inaccurate information ( See attached XXXX response ), but Equifax verified it ( See attached confirmation No. XXXX ). I called XXXX and complained and it represented that it was not reporting this debt under my social security number and gave me the last XXXX digits of a social security number that concerned the person who lives on XXXX XXXX, and not at my address. I am about to apply for a parental loan for my daughter 's education and the adverse information on the Equifax report will cause me damage of either being denied a loan or being charged a higher interest. It is important that Equifax stop reporting this inaccurate information and immediately remove the XXXX judgment from my Equifax credit report.
1.received collection notice from Gulf Coast Collection Bureau dated XXXX/XXXX/XXXX for master account XXXX asking for payment of creditor account # XXXX service date XXXX/XXXX/XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX . 2. called on XX/XX/17 talked to XXXX and was instructed to send proof of payment eob to XXXXXXXXXXXX with # XXXX in the subject line. 3. called XX/XX/17 talked to XXXX who confirmed receipt of same and info had been forwarded to the client for processing. To the XXXX XXXX XXXX. Said he would call me back when the matter was cleared. 4. called XX/XX/17 talked to XXXX who told me matter is still in review, account was not cleared docs were forwarded from Gulf Coast to the XXXX XXXX XXXX on XX/XX/17 and she will attempt to escalate and call me back when the matter is cleared. <P/>1. received notice of collection from XXXX XXXX XXXX XXXX dated XX/XX/2017 for the exact same creditor account XXXX ( their account # is XXXX ) for service date XX/XX/17 {$1100.00} XXXX XXXX XXXX XXXX XXXX. 2. called talked to XXXX XX/XX/17 refused to send validation unless requested in writing, extremely belligerent/agressive and would not listen when I tried to explain that the account was placed with another agency. 3. called XX/XX/17 talked to XXXX who told me who to send proof of payment to this time : XXXXXXXXXXXX -- did that right away. 4. called back to make sure and received an email from XXXX XXXX that the account was cleared up and no balance of {$1100.00} is due. <P/>MY Question is? WHY was the account placed in duplicate after it was already paid? and WHY is it not yet cleared from one agency when it cleared quickly from the other. This is very distressing and at this point, I feel I need assistance getting resolution.
I have repeatedly contacted Ability Recovery Services asking for validation of a debt that is listed on my credit report. I first contacted them back in XX/XX/XXXX for a validation of debt and I never received anything from them other than an update on my credit report saying the debt was verified and accurate. My second request was sent XX/XX/XXXX asking for validation once again, nothing was ever sent besides another updated credit report saying verified as accurate. They never sent me the proof of validation I asked for.
I have repeatedly requested an investigation into fraudulent activity on my credit report with Equifax. An onslaught of fraudulent inquiries remain on my credit report and wish for them to be actually investigated and removed. It is illegal to keep these on my report and dragging my score down without any attempts from Equifax to even look into them. All I get are immediate responses of the same " inquiries are a factual record ''. XXXX and XXXX both looked into these inquiries and had them deleted.
TU Credit Reporting alerted me to a new Collections account filed from XXXX XXXX in the amount of {$190.00} with an original date of XX/XX/2017. At that date, I had just turned 18 years old for 3 days and could not have accumulated this debt. 

I have no records showing an amount of {$190.00} I had no credit accounts at that time. 
I have received no letter from XXXX XXXX. 

What I believe happened is that my name was mixed up with that of my XXXX/debt-owed father. This debt is not mine and impacts my ability to gain credit for student loans and rentals.
I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XXXX 2012 30 days past due as of XXXX 2012, XXXX 2012 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
I had went to XXXX XXXX XXXX in XXXX XXXX, New Mexico on XX/XX/2014 for medical needs. I was then married and had XXXX XXXX ( Military Insurance ). I provided the hospital with my ID card which also serves as my Insurance Card. I later received a bill and again provided them with my insurance information, as military insurance covers you 100 % as I lived outside of the military medical facility area. Since then I have received many debt collectors trying to collect on the bill and also provided them with my insurance information and disputed the account on my credit report and they state the information is true and correct and will not remove the account and did not bill my insurance company for the services and which have been covered 100 % by XXXX. I am no longer married and no longer hold my ID card or the insurance anymore. It is not my fault that they failed to bill the insurance company at the time of services and each time after of me providing them my insurance information. I had even contacted XXXX and submitted the bill after over a year of getting no where with the hospital or collection agencies and they state they had never received any bill from them. I can no longer access XXXX and want this removed from my credit report due to them failing to bill my insurance at the time and times there after.
As per the correspondence, I received from : XXXX - Dated : XXXX XXXX, 2015/ CORRESPONDENCE RECEIVED XXXX/XXXX/2015. 

This is to inform you that I 've recently pulled my credit report and noticed that there 's a collection listing XXXX on my credit report. I WAS never notified of this collection action or that I owed the debt. This letter is to inform you that I would like a verification of the debt and XXXX ability to collect this money from me. 

Under the FDCPA, I have the right to request a validation of this debt. I request that XXXX verify to me and prove that I am indeed the party who is contractually obligated to pay off this assumed fraudulent debt. Upon your review of my XXXX XXXX Financial Aide Records, your re-investigation will determine, there were no account balances. XXXX See attached e-mailed documents ). Enclosed with this email. 

XXXX should be made aware that reporting any invalidated information to major credit bureaus may constitute defamation of character. In addition, you must also be aware that until you validate this debt, you can not continue collection activities or report this information to the credit bureaus. Non-compliance with this request may land XXXX in serious legal trouble with the Federal Trade Commission XXXX FTC XXXX and other state/federal agencies. 
Under the FDCPA, debt collectors XXXX collection agencies or CAs XXXX are required to send you a debt validation notice within 5 days of contacting you to collect a debt. The notice should also inform you that you have the right to validate/dispute the debt within 30 days of receiving the letter. If you do n't dispute the debt ( or request validation of the debt ) within the 30-day period, the collector has the legal right to assume that you agree the debt is valid. 




Re : False Certification of Student Eligibility or Unauthorized Payment Discharge are unacceptable. 
Please be advised, I XXXX XXXX XXXX XXXX may be eligible for a discharge of my Direct Loan or XXXX Program loan under these circumstances : According to this correspondence received : UOP - / or an unauthorized agent at XXXX XXXX XXXX XXXX school signed my name on the application or promissory note without XXXX XXXX XXXX authorization or the school endorsed XXXX XXXX XXXX loan check or signed XXXX XXXX XXXX authorization for electronic funds transfer without XXXX XXXX XXXX knowledge, unless the proceeds of the loan were delivered to the wrong address or applied to charges owed by XXXX to the school. - As reported, I XXXX XXXX XXXX XXXX never received any disbursements ' from the XXXX See Invoice Statement. Generated, by attached emails from My XXXX Payment History Financial Aide Account. - I did not receive these funds. Neither were they deposited into my checking account.
Received a loan form Advance America.

Never received any type of collection notifaction 's just treating phone calls about them wanting to sue me. I have received any type of collection letter for the right to dispute or or contact information, never received any type of phone calls about my debt. The only phone call that I have received was from a processor about them suing me for pay off the debt i was never notified about.
Im writing to formally complain XXXX secured credit card and XXXX security department. I applied and was approved for the secured card. After sending my social security card, drivers license and XXXX & E bill and submitting a deposit for {$500.00} I was assured that my card would be arriving before my familys vacation to XXXX in XXXX. I received notification from the XXXX informed delivery service that XXXX had indeed sent my card and welcome package on XX/XX/2018. XX/XX/2018 I received a phone calls from XXXX XXXX department and when I called in the evening after I got off work they were closed. When I called the morning of the XXXX I was informed that there was something missing and I can not use my card until I sign some paper that might be coming in the next few weeks. All this takes place 4 days prior to my family and I leaving for vacation and the day before I was promised my credit card would be coming. Now they have {$500.00} of my money. Refuse to let me utilize the secured credit I have with XXXX company and left family stranded prior to our vacation. Now on XX/XX/2018 after contacting the XXXX XXXX XXXX XXXX XXXX line they refuse to return my security deposit and provide further information. After I spoke with this department I called the security department and informed them that I have still not received the paperwork they wanted in order to release my account. They rep I spoke with finally identified the paperwork I needed to send which was a SSA XXXX form. I filed out and sent the form but after speaking with my wife we would just like our money back. As this doesn't make us feel secure with the lack of communication from XXXX. This is a shame and completely ridiculous to my poor kids who have been waiting for this vacation. Please contact me to ASAP to resolve this issue.
My name is XXXX XXXX XXXX, and in XXXX of XXXX I moved from XXXX, to XXXX, XXXX. Since the moment I moved into XXXX, my service with XXXX was bad and resulted in many missed, dropped and no calls either coming in to me or my attempting to make. I spend countless days and weeks attempting to resolve the problem with XXXX. I was finally in XXXX of XXXX advised that because no resolution could come with regards to my paying for telephone services I was neither making or receiving, I was advised that I was being let out of my contract. since XXXX I am continuously being sent collection notices, and I have spoken to countless supervisors and have been advised that I do not owe anything to XXXX and that my account is not stating any negative remarks and/or comments. On XXXX XXXX, XXXX, I have received yet another letter from a collection agency and I called XXXX again and was advised by an account representative that someone would look into this yet again. <P/>Please help.
Mortgage payment was returned for NSF. When contacted Mortgage company to pay over the phone I was advised not to pay it. I was told the payment would go through a second time automatically. Contacted the Mortgage company a few weeks later to discuss the payment again. Was then told the Payment would not be pulled automatically and that I needed to pay it. Money was in the account waiting to be paid. The mortgage company reported a 30 day late to the credit bureau. It should have never happened. It was completely the Mortgage companies fault..
A guy named XXXX XXXX called my employer saying that he was with United Check Recovery Bureau. He left a voicemail for them telling them that my name & social security number had been flagged & that he needed employment verification in order to finish his legal proceedings over a debt that I owe ( in which I did n't owe ). When I called him, he was rude, called me names & even said that no matter what I say that he would call everyone at my job & everyone in my family to get the money owed to his company. He stated that no laws applied to him & that he was going to continue to call me every day. When I told him that he broke by the law by disclosing my personal information to someone at my job, he laughed & said that he would do it again & again until I stopped being a fraud & pay my debt. He has called my family & he had names of people that I work with in which I never gave to anyone. I think this is a scam because I told him to send me something in writing stating that I owed them and he said that he already had & that he refused to do it again. I have never received anything from these people. I am so upset & I am retaining a lawyer.
When I started going to college to become a  XXXX ,    debt counseling w as not something anyone talked to me about. I began taking out student loans to become a  XXXX , not realizing my profession did not match what my student loans payments would be. At the time, I was a single mother. My student loans were accrued before I got married.   I  XXXX , taking out more student loans to get a  XXXX   XXXX   XXXX . Again, with no credit counseling. When I   XXXX    XXXX , I had about {$60000.00} in student loans. My payment was around {$420.00} per month. My starting salary as a  XXXX  was {$27000.00}. I did my best to make payments, but then had some health issues. I called and was told to apply for a forbearance.   Over the course of 10 years, I was encouraged to take out several forbearance requests, putting my loan currently at {$77000.00}. In the summer of   XXXX  , I called  Navient requesting a  reasonable payment and was denied. They told me to apply for the   XXXX   forgiveness program and consolidate my loans. I was also told to apply for consolidation. I tried all of those options, and because I 'm married, my IBR option was {$800.00} per month. That is almost a whole paycheck for my family!   I would like to start paying on my student loans with a reasonable payment. I indicated thi s to Navient l ast summer. The payment they are requesting is unreasonable. I have thought about making payments less than what they are asking, but read it will ruin my credit and force me into default. So, my only option so far has been to continue to put my loan into forbearance. Being married has actually hurt my payment options. So, do I need to get a divorce and be a single parent to get a reasonable payment?
Experian credit bureau has a XXXX XXXX XXXX inquiry dated XX/XX/2018. This does not belong to me and I would like to have this inquiry removed immediately. Thank you.
I do not know who this collection agency is or why they are demanding {$530.00} from me. I checked my credit report and this company appeared on it as a derogatory account. I have not received any correspondence from this company. It just appeared on my credit report.
TransUnion Credit Monitoring. These people are the lowest of the low. Someone filed a tax return in XX/XX/XXXX using my social security number. So, I was advised to put my credit on fraud alert. But, when I did so, I was automatically enrolled in credit monitoring that was billed to me 1 week later and for 6 subsequent months!!! So they take people who are already dealing with a stressful issue and then rip them off? When I was finally alerted to the issue, I called and they would not remove my credit card information from their database or even from the Transuinion website.
On XX/XX/XXXX Equifax announced a massive data breach. I went to their website to check if I was affected in the breach. While going through the process, Equifax asked me to agree to Terms & Conditions requiring me to waive my right to a class action lawsuit. This is a disingenuous practice on behalf of Equifax. Their systems were breached, so they should be responsible for monitoring my credit while also remaining responsible for any legal penalties assessed by the US legal system. I should not be required to waive that right.

Furthermore, they were negligent in their data management practices. A breach of critical information for nearly every credit using individual in the US is unacceptable. This amounts to criminal negligence.
I originally contacted ARS in XX/XX/XXXX to place a security freeze on my credit report held by them. My consumer report dated XX/XX/XXXX is showing a Bankruptcy in the name of XXXX with my social security number. I wrote to XXXX and sent them a certified letter with return receipt in XX/XX/XXXX asking them to VALIDATE the information. I received several phone call on my cellular phone from someone identifying themselves as Sue later identified as XXXX, XXXX. I did not receive a response from my XX/XX/XXXX letter until XX/XX/XXXX well over 30 days and per my credit report the information was NOT marked a DISPUTED as required by Federal Law. About XX/XX/XXXX I received a letter and informing me the item I disputed with ARS is being verified and will remain on my credit report. I sent another letter Certified mail return receipt asking ARS to VALIDATE the information contained in their files. I received a letter dated on about XX/XX/XXXX with an attachment titled ( Master Mailing List ) in the name of XXXX with my social security number. 
On XXXX ( XXXX ) different occasions I asked Advanced Resolution Services, Inc. to VALIDATE the information. As of XX/XX/XXXX ARS has failed to VALIDATE the information with the US Bankruptcy Court. This is not my name on the attachment as I ALWAYS use my suffix XXXX. So my father who is SR and my brother who is the III does not get confused. This is not my handwriting and that is defiantly not my signature. I am giving ARS one last opportunity to VALIDATE with the US Bankruptcy court before I file a civil suit against ARS Advanced Resolution Services XXXX Inc. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Chief Executive Officer for the following violation and I will be seeking a minimum of {$6500.00} 1.Violation of FCRA Section 611 Part ( A ) ( 1 ) for failing to respond to my original dispute dated XX/XX/XXXX will be seeking {$2500.00} for this violation 2.Failure to Comply to request to VALIDATE a violation of FCRA Section 609 I will be seeking {$1000.00} 3.Misrepresentation see XXXX XXXX ( XXXX ) : XXXX vs. XXXX, XXXX F. Supp. 502, 505 ( D. Conn. 1990 ) I will be seeking {$1000.00} XXXX. XXXX XXXX called my cellular phone on several occasion even after I told her I wanted everything dealing with ARS in writing. I also included my email as a form of communication ( see XXXX XXXX XXXX vs TCPA I will be seeking {$1000.00} for this violation XXXX to XXXX disputed on my credit report a violation of FCRA Section 623, I will be seeking {$1000.00} 6.Deformation, violation of the fair credit reporting act, negligent establishment of identity fraud.I will be seeking the maximum amount in my state. 
If at any time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Chief XXXX XXXX Want to VALIDATE said information or just remove without admitting any wrongdoing I will be willing to not peruse this matter in the court of LAW