WillisBack/dataset-financial-user-claim huggingface dataset:
I was contacted X/XX/17 by a company with multiple names listed XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX that stated they could help me with my student loans and and that the company was created on behalf of the Dept of education. I felt very pressured over the phone but this company had all of my information so I assumed it was a legitimate company. Now I am concerned that I may have given more of my information to a fraudulent company. My XXXX with my social security number as well as signing agreements. They told me what Navient my student loan servicer is telling me is false information. They also told me that they could help me decrease my student loan payment and that any payments I 've made so far with Navient wo n't count towards my student loan payment and I would need to start over. The person I spoke with was XXXX XXXX XXXX. This company also charged {$1300.00} to complete my application with the dept. of education for public service loan forgiveness that would be deducted from my bank account by a third party. I do not want this company making changes to my account on my behalf. Unfortunately, I signed some papers and now I am doing everything I can to prevent this from happening.
Experian has with no explanation blocked me from calling writing a letter or online to check or dispute my credit report they keep telling me its not there problem. And when I confronted them by phone on hard inquiries the did n't have any information on the inquiry other then my name with it no social security number or date of birth they are letting companies check report without proper proof I asked them to check my report they will not fix the problem some of the companies I contacted didnt even have me on file I even applied for credit ever, and some companies I try to find are not even a company and the number on the reports for the companies are disconnected and they will do nothing about it.
XXXX  Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX -1 XXXX XXXX XXXX -2 XXXX XXXX XXXX -3 Transunion Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
On my credit report there is an incorrect address listed as a previous address.I have never lived at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. This address is listed for me but I have never lived in XXXX and I have documentation to prove that I was living in XXXX as well as working in XXXX when this was added to my report. I have made a police report In reference to this and notified the credit bureaus although this has not yet been removed
I have a loan with XXXX XXXX XXXX  XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and XXXX XXXX XXXX  XXXX with no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never 59 days late.
Had to re certify my income based student loan plan. AES did not obey my request to discontinue automatic payments, and then after my IBR plan was approved, they still took out the prior amount. They set the " effective date '' of the plan in the future.
Equifax failed to adequately protect my personal data when it submitted itself to a cyber security breach earlier this year. This puts myself and many others at risk of identity theft, potentially affecting my credit rating. Additionally, Equifax failed to notify me that my data was stolen in a timely manner, as the breach occurred during the XXXX - XXXX 2017 time frame. I have confirmed that I am affected using the free impact service Equifax provided.
In XXXX 2010 Due to my closing my Trucking business due to economy not producing enough income to cover overhead. I could no longer afford my house payments. I went from XXXX a month to XXXX K in one month time frame. Thus the house was unaffordable. we called XXXX and explained it. XXXX took it over and there was very little communication with us via mail and some harassment over the phone. We submitted paper works with XXXX several times because they would n't be able to find the paper work that was faxed and mailed to them. We talked to several people in the collections department and never went to loss mitigation with them. They did file Notice of Default with the XXXX XXXX courts in 2010 and even had a sale date that we never notified of. But the continual excuses and dragging the issue around when we asked multiple times in writing for a modification did nothing but leave a huge amount because the original loan was never paid and interest and late charges were mounting. We requested a reduction in principal which many homeowners in XXXX XXXX XXXX received but they finally made a loan mod agreement and never mention that there would be a new servicer for the loan and not XXXX. The servicing company Select Portfolio Services. This company has a track record that goes back to before they were SPS. They have been involved in many foreclosures and illegal property sales at pennies on the dollar without notification. No Original note ever being presented. Why when other people in XXXX XXXX county received principal reductions di my mortgages increase to where I have a XXXX balloon payment.
XX/XX/XXXX I looked online and found that I was charged XXXX for my checking account being short {$3.00}. I had a {$100.00} transaction for XXXX that came out of my account and I only had {$96.00} in my account. 

XX/XX/XXXX I again looked in my account online and I was charged {$11.00} for checks I did not order. I called PNC @ XXXX and I was told I had to bring the checks in to have refunded. 

This bank not only guts it customers for money they do not have but they never addressed anything I requested. 

My account # is XXXX XXXX # XXXX
An ACH debit came into the account ( XXXX ) which there were not enough funds to cover on XXXX XXXX, 2019. The payment was supposed to be returned unpaid but instead Discover pulled money from another one of my accounts as overdraft protection.The problem is I never setup nor agreed to overdraft protection.I asked Discover for proof such as a date that I signed up, a letter, or email confirmation and they were not able to locate any such documentation. I asked them to stop the transfer that was pending but they claimed they were unable to. This was an unauthorized transaction from my account as I never signed up for overdraft protection but all they said was I had to because they can't on there end. This caused other payments where the scheduled to come out to be in jeopardy.
My parents had refinance there house in XX/XX/2006and had accidental death insurance included in there mortgage payment. It was listed as optional product. My parents called XXXX XXXX XXXX numerous time asking what did that mean and they would tell us that it was the accidental death insurance. If the last survivor was to die it would pay off the house. After requesting the policy for years they finally sent my lawyer the policy which do not amount to paying off any house. And the policy states at the age of XXXX  years old the policy went from XXXX to XXXX which is even worst due to my dad died at the age of XXXXyr. How can this be while still paying for your mortgage. My parents were scammed. Please help
I was compromised by Equifax with millions of others. My XX/XX/XXXX Federal Tax return was then compromised. i could not get my credit report.online. On XX/XX/XXXX, I called Equifax and had to talk with two different agents. I asked about my credit report. after going through years of credit identification, I was told of the personal name errors and address. I ask them to clear all of them but my first middle and last name. And clear all addresses except the one I have used for the last 20 years. The last three years credit cards, car loans and mortgages were correct. 
I was mailed a dispute confirmation number with my son 's name on it not " mine '. I am his mother. On XX/XX/XXXX, after receiving their email, I talked to two more agents for an hour.They both said I had to send in more identification or file a dispute online. i could not file a dispute because it would not take my social security number or email I've had for 30 years. the last agent walked me through the disput forms online and said I had to file under my sons name. But '' his '' SSI is  different. She could not help me. Identity theft is a nightmare and it comes from this company.
this account is 9 years old, the information that they have in the system is the following " due to the age of this debt, we will not sue you or report it payment or not payment to the credit bureau. 

open date XX/XX/2007 for the amount of {$600.00}.
It appears that one collection agency is attempting to collect for another collection agency, XXXX XXXX XXXX XXXX XXXX I have never personally borrowed from or have owed money to XXXX XXXX, only to credit cards which are not being named in the suit. I do n't even recognize the name XXXX XXXX. 

It has been over 15 years since the last time I made a payment to the true creditors in question, yet the attorneys and collectors of Gordon , Aylworth & Tami , P.C . continue to serve me with writs of garnishment, even though the Statute of Limitations has long since passed. As I and my family are living below the poverty level as it is, it would be impossible for me to repay this debt they ask for anyway. 

Knowing that the Statute of Limitations has long passed, I consider myself to be naturally bankrupt, as I can not afford to pay for the services of actually filing.
They say I owe {$15000.00}, though they never mention the name ( s ) of the original creditor ( s ), nor acknowledge that they have been hounding me for over 15 years. 

Please advise me and help me in any way you can to maintain my rights under the State of Oregon 's Statute of Limitations laws.
On XXXX XXXX, 2016 Netspend has charged me XXXX {$15.00} fees on my account. I was only supposed to be charged a XXXX or XXXX {$15.00} fees not XXXX overdraft fees. Because I disputed and filed a complaint of these transactions they retaliated and turned off my use of using the Netspend overdraft protection program. I did n't asked to be removed from or suspended temporarily from the program. Your company needs to investigate Netspend Overdraft program because they 're taking consumers money. They tried to purposely over charged me for these fees. I am agreeing with the XXXX {$15.00} fee. 

I am going to post a small description from there website. what they say about there Overdraft Program, if a consumer decides to use it. 

You are currently opted-in to the optional Overdraft Protection service. Please note, you may only use this service if you are receiving recurring direct deposits to your Card account and your status is " Active '', meaning you have met the other eligibility requirements for the service. Please check below for your current status. 

Minimum Direct Deposit Required is {$200.00} or more every 30 ( thirty ) days. 
The following is the current program in which you are enrolled : Grace Period Time : 24 ( hours ) Overdraft Fee : {$15.00}, up to a maximum of XXXX per calendar month. 

I want my Overdraft Protection Reactivated asap. Netspend being very petty. I 've been a long time customer with Netspend. My Federal Government payroll and my husband XXXX payroll being going into our netspend account for a very long time.
I have gone to XXXX different schools, XXXX which are under investigation with the state attorney. I have applied several times including your company asking for an investigation, asking for a reduction, in some cases my school loans to be deleted due to now I still do not have certification. Nobody wants to get involved, I am still in debt, I still owe {$50000.00} to Dept of Education. I have signed an Ability to Benefit which I was asked to send in a paper from the state, if I have not worked. I think having a food stamp card is self explanatory enough. I have applied for every help in order to have my school loans reduced and nothing has happened.
Wrote letter on XXXXX-2017 to Debt Recovery Solutions that negative item was placed on my credit report without notifying me, which is a clear violation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Advised Debt Recovery Solutions to removed incorrect information off my credit report. More importantly, Debt Recovery Solutions are in violation of FACTA section 623 ( A ) ( 7 ). Never received any correspondence from Debt Recovery Solutions.
Logged in to mobile app to make my XXXX payment on my XXXX XXXX XXXX to find what XXXX XXXX says is a past due of over {$800.00}. I immediately called them and was told the amount was correct. The customer service rep stated that no payment was made in the month of XXXX. I told her I watch the account carefully and I know the payment was made on time. I told her I would go home and look at my records and call back. By the time I got off work and called them back, they were closed. I called repeatedly today to speak with someone but could never get anyone on the phone until I input incorrect information so I could speak to an agent. I finally was able to speak with XXXX at XXXX on XX/XX/XXXX. XXXX informed me that my XXXX payment was returned. I advised XXXX that this is not what showed online. The payment shows successful as well as cleared at my bank on XX/XX/XXXX for XXXX. I made the payment on XX/XX/XXXX for XXXX with a confirmation # of XXXX. I also went on the tell the agent that I made 3 payments in XX/XX/XXXX : payment of XXXX confirmation # XXXX ( XXXX payment ) XXXX : payment of XXXX confirmation of # XXXX ( XXXX payment ) XXXX : payment of XXXX confirmation # XXXX ( XXXX payment ) Then I just made the XXXX payment on XX/XX/XXXX. So the account is not past due and should not be reported as a late payment. XXXX uses deceptive practices and makes it hard for consumers to keep up with payments. This keeps consumers with low credit scores in the market for these subprime loans.
I contacted XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Equifax and XXXX XXXX regards inquires that are reporting to my credit report that occurred before I became XXXX   years old. I turned XXXX  on XX/XX/XXXX. Equifax stated that I was born in XX/XX/XXXX, therefore I submitted DL, birth certificate to validate my dispute. Upon receipts on documents they stated that they could remove the inquires I did understand because I was told by a agent that they will be removed. Ive reached to companies listed below, there unable to locate An application with my name on it. They stated they would forward documents over to credit agency and I. I have not receive documents nor have inquires been removed.
Over the past seven years there have been two foreclosure lawsuits against me for a property that I did not own related to mortgage agreements that were erroneously and fraudulently processed. The first lawsuit by XXXX was dismissed years ago after I spend a great deal of money in legal fees on representation. In XX/XX/2014 I received another lawsuit from XXXX ( the debt then has been sold to MTGLQ Investors L.P. ). I contested this lawsuit again and received notice from the Judge that I am not responsible for the debt. I continue to be harassed for payment of a debt that the Court has said I am not obligated to pay. I do not own the property named in the foreclosure action, I do not live there and I did not have the capacity to enter into a mortgage agreement that was obviously processed in error.
I contacted American Express explaining to them that the American Express card listed on my credit report belonged to my company, not me. They informed me that it had been listed as a write off and turned over to a collection agency. They said there was nothing they could do. My company has been making payments each month for the past 6-7 months to the collection agency. 
The card was issued to XXXX XXXX XXXX with my name under the company XXXX XXXX XXXX XXXX. 
They said because when the application was made, I had to list my personal information, name, social security number that I was responsible for the account. The statement came to the company address each month with the company name. I will attach copies of them to this. They have refused to take the report off of my personal credit report and charge it off to the company. My wife and I are attempting to purchase a house and this is killing my credit.
Opened a XXXX XXXX XXXX Bankamericard World Mastercard account XX/XX/2016 to assist with my new business. I also sent in the form for automatic payments from my bank account to ensure that payments were on time and my credit remained good. I noticed today on my statement which I received XX/XX/XXXX, that there was a late fee. I called to see why a late fee was charged as I had automatic payments set up from my bank account and therefore there should be no late payments. The customer service representative said she could find no record of my automatic payments and I was also going to be charged another late fee for missing the payment date XX/XX/XXXX. She believed me about the payments I believed were being automatically taken from my checking account and offered to remove the late fees ( XXXX ). She discovered that my credit card account had been closed a month after I received it, ( XX/XX/2016 ), for the reason " that I had other sources of credit ''. She said a letter had been sent. I did not receive such a letter and was shocked to hear this. I asked if I could talk to the manager of customer service and was put onto XXXX XXXX. 
XXXX asked me if I had looked on my statement. I told her I am very vigilant about looking at my statement and that the late charge I had just seen on my statement was why I called in the first place. There was nothing on this or my other statements telling me the account was closed. This may be the reason the automatic billing was not put in effect. I believe that consumers should have information as important as cancellation on their statements and that my late charges should be forgiven due to the circumstances of my believing I was on an automatic payments system. Even more important, my credit should not be impaired for events I was unaware of and could not remedy. I also do not understand why a card was given to me in the first place if it was going to be cancelled the next month.
XXXX XXXX XXXX XXXX, SC XXXXXXXX/XXXX/XXXXNational Credit AdjustersXXXX XXXX XXXX, XXXX XXXX XXXX, KANSAS XXXXRE : Letter of Intent to SueTo Whom It May Concern : This letter serves as the formal notice of my intent to file a lawsuit against National Credit Adjusters for {$12000.00} as a result of violations of FDCPA 813. Civil liability [ 15 USC 1692k ], FCRA [ Title 15 United States Code Section 1681 ], TCPA [ 47 U.S.C. 227 ]. 
I was contacted by your company which called my cell phone on an auto dialer at which time I was made aware of an account fraudulently opened with XXXX. At that time I informed said collector the account was not mine and requested validation I also informed said collector to XXXX & XXXX the account until full validation was provided. Yet to my dismay the calls continued and no mail correspondence has ever been received. I had filed an initial complaint with your company at which time I was advised that the account would be closed and I would be mailed a letter that the account was satisfied. Now several months later I have requested that letter and it has never been provided. Now I have checked my credit and this account is listed on there as a collection/chargeoff account which has had an adverse effect on my credit and my ability to obtain credit. Your failure to update the credit bureaus and original creditor have caused me financial harm i.e. increased APR percentages on my loans/credit cards as well as being out right denied for lines of credit. Constituting actual damages. 
If you wish to resolve this matter without court action, a check or money order for {$5000.00} must be received by myself at the address listed above in addition to removing the account from all XXXX major credit bureaus within 14 days. If I do not hear from your company, I will initiate a lawsuit. I believe that is a fair and reasonable settlement considering a previous lawsuit I filed the business incurred legal fees in excess of {$5000.00} prior to agreeing to settlement. I can be reached by email at XXXXXXXXXXXX or XXXX : XXXX XXXX XXXX XXXX XXXX XXXX of Suit Other Statutes - Other Statutory ActionsCause XXXX Fair Debt Collection ActCase # XXXX XXXX XXXXYour prompt attention is appreciated, XXXX XXXX
I 'd like to use my TD Bank account with 3rd party services. I 've tried using 2 different accounts and 2 different routing numbers. Unfortunately, their support says that all they see on their end is the time I tried using the wrong routing number and does not offer any helpful information as to why nothing else works.
{ ****The loan did not close M & T Bank Refuse to refund the money $ XXXX }. 



M & T Bank, Per your request the rate today is 3.75 % for a 15 yr. term on a VA Refinance . Your Closing cost is estimated between XXXX which was included in you loan.. ( ****The only upfront commitment fee M & T Bank requires at the time of application is {$270.00} by visa or MasterCard the day you apply. That is part of your closing cost and will be credit towards your closing cost at your final closing****.. } VA will charge .50 point to your loan unless you are a XXXX veteran.. The fee will be XXXX and again I have included that into your loan as well ... Your total interest saving will be {$21000.00} and your payment will be XXXX less per month for a 15 yr. term.. Your new payment will be {$1300.00} includes Taxes and insurance. 

Let me know if you have any further questions.. 

Thank you. 

XXXX XXXX Mortgage Consultant XXXX # XXXX M & T Bank XXXX XXXX XXXX XXXX, NY XXXX XXXX x XXXX Fax ( XXXX ) XXXX XXXXXXXXXXXX
Paid account in full - XXXX XXXX. XXXX reporting bogus balance. Consumer disputed the information with Equifax and received back the results on XXXX/XXXX/2016 that account was verified as paid in full. 
On XXXX XXXX, 2016, XXXX reported a bogus {$500.00} balance to Equifax. Consumer disputed this balance and remembered that Equifax had did an investigation back in XXXX XXXX, 2016, and found this account to be paid in full. I called Equifax and requested an immediate deletion, but both the phone rep and XXXX supervisors stated that XXXX has a right to place a bogus balance and that I would have to wait 30 days for verification, even though Equifax had already verified that the account was paid in full. This is totally illegal.
I try to resolve this problem with XXXX XXXX.They report a account under my name and my SSN with lot of mistakes.They said that they purchased this debt from a third party company like this on 2015 from XXXX XXXX XXXX XXXX.I was scared to death from operators after my call when they find my nr. They call me with different numbers mostly XXXX  XXXX numbers ( when you call back it said this nr is disconnected ) .They tell me don't move from house that sheriff department is on there way.I cant take this harassment any more.I attach the prove of errors listing to my credit bureaus file.The original creditor XXXX XXXX XXXX  was deleted from credit files because they not find prove to connect im the owner of this account.They are lot of complains against this company that they list credit files with lot of errors and harassing people to force pay.
On XX/XX/2018 I setup an online account with BMW Financial and also setup an auto pay account. I was assured the payments were setup for this auto pay but received a call a few days ago stating my account was past due. I made a payment of {$1300.00} ( 2 months payments of {$690.00} ) immediately and also reconfirmed the autopay was in fact activated for future payment to avoid this issue.