WillisBack/dataset-financial-user-claim huggingface dataset:
Enhanced Recovery Company shows on my credit reports with original creditor XXXX XXXX XXXX  opened XX/XX/2016in amount of {$510.00} While I recognize XXXX XXXX XXXX  I have no knowledge of Enhanced have never had any business with this company. Have never received any communication from either in regards to this alleged debt. The last 4-5 years I have been on someone else 's account with XXXX and XXXX. This is either a mistake or fraud and from all the complaints on XXXX XXXX, # 3 most complaints on CFPB 252 % increase in complaints from one year to next average of 193 a month. Some 13,800 results on XXXX  related to lawsuits I would tend toward fraud. I would have to ask at just what point do these companies get shut down and put in prison?
In XX/XX/2008I was declared XXXX and tXXXX XXXX by SSI. I was unemployed and was having trouble repaying my loans. I was told I was out of all forbearance and deferments. I spoke to many customer service agents and at one time I began to plead and said that I was XXXX. All of a sudden I was put on hold and then they asked if I had proof and I said yes, so I sent them my letter from SSI which stated I was XXXX XXXX and that my case wasnt to be reviewed for 7 years. They then said they could put me on a special deferment and nothing more was said. Fast forward a few years, I found out that I had been eligible for complete and total forgiveness of my student loans due to my XXXX and the SSI letter I faxed them, and all of the information I had provided them. Not once was this information mentioned to me about XXXX   forgiveness. Instead I was put on continual deferments making my original loan payment balloon to more than twice what I originally borrowed. I feel this was just such a disgusting manipulation and intentional malice on the part of this company. Truly disgusting and dishonest behavior, to intentionally not mention that I had qualified for total forgiveness due to my XXXX XXXX which they were aware of. I had been unemployed and XXXX for many years. If I had known of this exception ; if I had been given this information by my loan servicer Sallie Mae, I could have applied for forgiveness, and due to me not being able to work for many years, my loans would have successfully been forgiven a long time ago. Many years later, I was able to receive proper medical help and have now recieved employment and am now off SSI, which is great. However, I now have a ballooned loan so big due to Sallie Maes special deferments for my XXXX that I will probably never be able to pay it off, and it angers me that this could have been forgiven years ago. Sallie Mae is a corrupt and dishonest company, and sucks money from and lies, even to XXXX people.
while reviewing my credit report I became aware of collection accounts from Choice Recovery. I have written to this company to validate these alleged debts as well as their authorization to collect on said debts. and have received nothing. I believe my HIPPA rights have been violated as I have given NO ENTITY permission to share my personal medical information with ANY third party.
Please double what you provided me as a method of verification again you can check the second attachment that you XXXX XXXX sent me on the fax number. Tell me please what type method of verification is that? I need a consumer contract with my signature on it and this account opened XX/XX/2009 that's what shows me on the credit report. 
as required under Section 609. furthermore you have failed to provide the method of verification as required under Section 611 you are required to promptly DELETE all information which can not be verified. 

Despite three written requests was sent and you have received my all the letters, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors  documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation a consumer contract with my signature on it. as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. as well XXXX   XXXX XXXX called XXXX Central time again and they told me we don't have that request for at this time in my attachment as you can also see what they provided as a method of verification this is clearly The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to  enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately.
I received a notice that my credit score had changed and found that XXXX had reported a 30 day past due credit notice to the credit companies. When I contacted XXXX, they told me I had a {$15.00} past due balance, that I had signed up for e-billing, and it was past due. They then told me they did not show where I had registered for an e-billing account, but told me I should have received an electronic statement. I did not receive any statements, electronic or paper. The representative indicated they had tried to contact me, but they use " robo-calls '' that come in as Private Numbers. There were no messages left by anyone about a past-due bill, and no bills received by me. I asked them to contact the credit bureaus and reverse the credit reporting and they refused to. I have had no history of late payment with XXXX and was not aware, or made aware of a late payment via email, mail, or phone message. The phone numbers they had on my file were incorrect when I contacted them. They updated my numbers at the time of my call. I paid the balance due in full. They refuse to accept responsibility for not contacting me or informing me of my late due payment.
Car insurance was added and since then was sold and insurance company didnt cancel after it was informed of the sale.
I didn't have medical insurance when I visited the ER and had no job and person who called threatened to damage my credit.
I disputed information on an auto loan that was inaccurate from XXXX XXXX and Equifax told me the creditor updated the information and it is still the same on the report. I told them to send me proof that they verified the information was correct because the date was not updated and i didnt get a response from them at all. Also there are inquires from XXXX XXXX to XXXX XXXX that i did not authorize and new addresses kept popping up on my report that i was not associated with. They removed the addresses but not the inquiries. Also the collection item XXXX is listed in the account area like its still open and the collection agency has the account. Both were disputed because of the duplicate information listed. The other collection agencies would not send me the information i requested and told me to dispute it with equifax and they would remove them and they never did.
This he insurance company   XXXX   try to make me paid 6 months in advance when the try to increase my police s 300 time. So I look for better options and I get   XXXX  . After 8 year with  XXXX  I will Never come back to th em, they never make me sings any contract they can not force to pay a service in advance when I never received any kind of service. I told them show me any contract even though email or verbal, and they said we will send you to  Colection  this is not right. I 'm try in to purchase my first home I really take care of my credit. This is and ilegal procedure of this gigantic company. The send me a letter to do my claim I fielded and they deleted and few weeks they do it again.  <P/> Thank you.
XXXX XXXX, XXXX XXXX XXXX has received an letter from myself stating the facts about the fraudulent acts committed by the bank on my account and on this day my signature has been rescinded from the original application, permitted by law, due to fraud. XXXX XXXX has refused to address the fraud with a denial or admission. Silence is acquiescence and the account is null and void. An un-rebutted affidavit was submitted on XXXX XXXX, XXXX revoking my signature from the account making it null and void. Again the bank has remain silent about addressing the fraud. By continuing to report this account with proof of the fraud by my un-rebutted affidavit XXXX my sworn testimony ), the reporting agency is in violation of the Fair Credit Reporting Act. Attached is my affidavit from XXXX XXXX, XXXX.
NATIONAL CREDIT SYSTEMS is reporting false information on my credit files. I have requested that they validate and the alleged debt but to no avail This is not my account and i did not rent an apartment, i request that this account be removed from my credit files.
I moved from my apartment on   XX/XX/XXXX  and stopped service with  XXXX  on  XX/XX/XXXX . They told me I could take all my products from my apartment tinny house and it would be connected to the  same account number. I tried to connect to cable when we moved to the house and nothing worked. They had to change out all the boxes.   XXXX  I received a different account number from them and called them multiple times to verify this. So what is on my credit report is a bill they never mailed me.
I originally decided to purchase this loan due to my car breaking down. Me being a XXXX I have no extra money to spend. Unfortunately I was told my check would be bigger then it was supposed to be and was not able to pay off the full bal. I received the max amount of phone calls daily. Which happens to be 5. I also asked her to be able to make a payment of half on Friday. Then I realized since I 'm in the military my annual training is coming up and I can just pay it in full in XX/XX/XXXX. I offered a small pymt of {$25.00} dollars XXXX/XXXX/16 at XXXX. She told me that amount that I wanted to pay was to small and she was n't going to process it due to the simple fact it would n't make a impact. She then told me if I do not make a payment they will send this to my bank acct and take it out at any moment since I refuse to pay in full. I told her well if this is the case can you please put me on the do not call list. She said she will not put me on the do not call list because I have a loan and she can call up to five times a day. I recently told them I did not want more then two calls in one weeks due to the fact I 'm aware of the loan. I have indications that they have called way more then requested by me. I have time stamps and voicemails indicating they are not willing to follow these rules. It is completely harassment. Me being a debt collector myself I know you are not allowed to request payment in full within the 1st 30 days. I also know threating to take the full payment out of my bank account because I do not wish to pay it off at once is illegal. I asked her in a respectful manner to put my number under the do not call list and she refused to do so. She has broken multiple rules and has admitted that she will continue to call me as much as possible also threatened to take the money out of my account when ever she feel. In order to take money out of my acct I should receive a later of judgment or garnishment of some sort before anything is taken out of my bank account and I have recived no letters in the mail yet. This is harassment and they are breaking Ferpa laws completely.
The choice I made for the best description is not valid. I wasnt able to choose anything else. XXXX My complaint is that I spoke to XXXX on XXXX/XXXX/2016 about XXXX I advised XXXX that I had a plumbing issue and I was not able to make payment until XXXX/XXXX/2016. A XXXX representative was advised of my arrangements and spoke to me on a valid number that is listed to my account nevertheless loan express called a reference and/ or skipped traced on my account after speaking with me. THIS IS HARRASSMENT! I have proof that my best friend was contacted by XXXX with the phone number XXXX on her cell number XXXX in attempts to verify location info. There were several calls back to back on XXXX/XXXX/2016. I have proof of these unlawful calls as well.
I was in the process of obtaining a loan modification.. I received documentation that stated my review would be completed on XX/XX/XXXX ... On XX/XX/XXXX, I was received knowledge that my home was auctioned by the mortgage company ... I had no knowledge of this information, the last correspondence received was that my loan was currently being reviewed for a modification.. When I called to inquire about this decision, I was informed the mortgage company did n't inform the foreclosure department to hold my sale date.. My home was illegally sold and now I 'm in a position that I have no where to go ... This is truly unlawful, I also spoke with the real estate brokers who stated the same thing happened last year with the same mortgage company ... Something definitely should be done about this.. the reason I asked for a modificaton is because my husband died unexpectedly ... I have not received any assistance from the mortgage company just alot of running around and passing the buck without anything really being done ...
My husband and I decided to put our Navy Federal Credit union credit cards on a debt consolidation program due to us getting nowhere with our monthly payments. I transferred themoney from an auto insurance claim from XXXX for my car repairs to Navy Federal so that I can transfer it to my sons Navy Federal account so that he can pay for the car repairs since I am currently out of the state in XXXX XXXX Alabama for school and Navy Federal withdrew the money with out my authorization to put towards my husband 's credit card which I'm a co-owner to. I called Navy Federal to request a refund so that I can pay for my car repairs and they denied the request even when I told them that was an insurance claims money for my car repairs. This is creating hardship and stress on me because I don't have the extra money to cover for my car repairs this is not the first time that Navy Federal withdraws money from out accounts with out having authorization. They have done the same from my husband 's account with out his permission. XXXX does not do this and we have a credit card with them that is also enrolled in the National Debt consolidation program we have.
On XX/XX/2018 I mailed a letter disputing a debt collection that was inarticulacy file on my behalf upon review of my credit report I notice that I had a derogatory mark file by a company that I did not do business with in the amount of {$300.00} the company name is Stuart - Lippman & Associates. I sent them a letter over a month ago and I still haven't got a response back addressing the false information.
I have been receiving letters and phone calls from.the mortgage company stating than I am in default on due to non hazard insurance. 
I have sent copies of my home owners insurance to them by fax, mai! 
And so bad the insurance company. 
The dates of the letters are XX/XX/XXXX, XX/XX/XXXX XXXX and XX/XX/XXXX. 
I talk to people in customer service but still get unwarranted calls and letters.
Dont know who is XXXX/ XXXX ?

This company pull my credit without my Authorization on XX/XX/2018.

This issue takes down my credit score.
I cancelled the contract in less than 3 days with XXXX because I had to move. They refused to allow me to cancel and want money I do not owe! XXXX (? ) Place a collection and it was removed as shown on my XXXX credit report, now Stellar Recovery Inc has it listed as a bad collection debt.
I had a line of credit with XXXX for nine years for XXXX. I paid on time regularly for 9 years but instead of the loan amount going down, it went up yet I paid. 
Then they raised the rate to 9 percent which meant the monthly payments went up by more than XXXX dollars. I also had to pay for my regular mortgage.I begged XXXX to give me a loan mod but after many paperwork and months of correspondence, they sold the loan to a different company and now it is this horrible company called FCI which holds my loan. The original loan was for XXXX. I paid more than XXXX and now I still owe XXXX!!! which is unbelievable. I asked to pay a lump sum but they did not accept any offer. I still owe XXXX on my first mortgage which I have been paying without delay. This is my only asset in life and I don't want to lose it. I have contacted them but they are just dragging their feet. I do not owe them XXXX. Pure and simple. They are just thieves. They have also raised the interest to 10 percent!!! They send me their bills not once a month but three times at a time.
I do n't have reliable cell service and my calls get dropped frequently. I need to find out if I qualify for any deferment or forbearance options because I ca n't afford to make the monthly payment and my co-signer ca n't either. The only other way your website allows me to contact you is through mail : If I chose this option I will be past the due date for the loan while waiting for a letter. Here is a link to your website that shows this, https : //activitycenter.salliemae.com/ContactUs/Show Why do n't you have an email address on your website so that people can contact you this way? I thought this was an option in the past. When did this change and why?
Bank of America, : I had a mortgage account of {$56000.00} established in XXXX. In the year XXXX I refinanced my mortgage with another bank in order to obtain some of my equity for medical reasons. During those XXXX years, I was late on paying my mortgage in XXXX instances : that was on XXXX XXXX. I paid a late fee to the bank the next time I paid my mortgage. I do not believe that XXXX episode need be labeled as a negative connotation. There service to me contained many withdraws negligently and without reason taken out of my account then " corrected '' and put back after my correcting the bank in their error.
I have been trying DESPERATELY to obtain a mortgage modificationfrom BSI / XXXX XXXX XXXX, I have been LIED to misled, treated rudely, and continueously misinformed about the process needed to save myhome. I have hired a consultant to help me thru this process and theyhave received the same treatment, I was made to use my 2 two weekextensions to try to make it thru this process but this company hasfought me every step of the way, I am asking you PLEASE for someassistance in this matter My family and I are at our wits end, if you re-view this matter I am confident that you will see that this process hasbeen TOTALLY Flawed, My home is due to go to sheriff sale XX/XX/2015 and we ask that this receive your immediate Attention
Midwest Acceptance Corporation is trying to recharge me for a car loan that has already been paid off. I appeared in court twice specking with Midwest Acceptance Attorney 's and showed proof that the car loan was paid off and I no longer owe them. However, I have another court date about this matter on XXXX XXXX, XXXX. Enclosed is a copy and proof that Midwest Acceptance Corp. no longer has a Lien on the XXXX Ford. Here we see that the names on the acceptance letter. They noted that the interest on the XXXX Ford was satisfied as of XXXX/XXXX/XXXX they also released us the title.
I was contacted by a company named IQ Data for a " debt '' they say I owed them. I checked the Texas Collections database to see if they are registered to collect debt in the state of Texas and they are not. This company states I started out a balance of XXXX and now I owe them XXXX. This company is hurting my credit and they are saying I have to pay them. I sent them a cease and desist letter to remove the debt off from my credit. My current lease is coming to an end and with this on my credit we can not move anywhere. I have a XXXX old and we are basically going to be homeless due to this.
Our new mortgage service, NationStar Mortgage, ever since they became our servicer, we are constantly harassed that our mortgage payment is either late or not received complete. When not only do we pay our mortgage on time, but above of what is actually due, so extra funds can go to principal. 

This is an occurrence we now have to deal with in a monthly bases, as every month we are getting harassed by NationStart collections, every time we make a payment. And every time they apologize with telling us it was their mistake ... But every month we hear from them again ... 
We will like to enjoy our home as we are suppose to in piece ... not constantly being harassed, put under stressed and deteriorate our health ... .due to stress ...
Upon looking over my credit report I was really surprised when I saw a late payment from XXXX of 2017. 
I honestly don't even know how this could have happened, since I always make my payments to you when I get the statements. The only thing I can think of is that the statement must have gotten lost in the mail.
The credit card company did not credit my account for a refund I received from a merchant. I contacted them three times by telephone and each time I was assured by customer service representatives that they would correct the problem. However, it was never corrected. I then wrote to the credit card company at the address they indicated for billing disputes and provided supporting documentation regarding the refund I should have received. They never responded and my credit card account continues to be listed in arrears and I continue to be charged an interest fee on the balance.
My student loans were in the consolidation process. I had contacted all of my service companies but Navient kept sending late notices and adding charges. A hold/deferment was in place but Navient started reporting on my credit anyway. When I finally realized what was going on and saw that my near perfect credit score had dropped 160 points I contacted Navient. Contacting them has gotten me nowhere at all. I also found out that somehow I had a user account on their website that I did not set up. I had to call to get that cleared off but apparently it also cleared off all of the notes on my account so now when I call in they say there is no record of my deferment. My credit score is dropping every day and this is affecting my entire life, business and loans. I have tons of stress, worry and I do not know what to do. I have learned about the lawsuit but I just want my credit score fixed.
Received several voice messages from a XXXX XXXX from the beginning of XX/XX/2018 to present stating to call about important documents to discuss and that it was a time sensitive matter. Threatening that must be called back or would " proceed accordingly '' and states that he has legal documents on his desk just waiting for him to file. Calls me several times a day with the same thing saying that I must call back that same day. I have had to block their number through my cell phone provider. They are also harassing me at work calling me several times a day and I have asked them to stop but they won't. 

They are constantly calling and harassing me stating that if I don't answer by the end of their day they will have no choice but to act according and file the legal documents they have on their desk. They have been calling several times a day for a couple of weeks now and are even harassing me at work.