WillisBack/dataset-financial-user-claim huggingface dataset:
I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : 30 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX 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 this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.
I like to file a complaint I wrote a letter asking for proof of the Debt require and how the debt was acquired and the original creditor and under the fdcpa the bank had 30 days to respond to the debt that I owed they then have 30 days to respond to the debt that is owed the bank of America has yet to respond to the the request of proof of the debt the bank has yet to respond to to Verify or Validate the debt owed
A man named XXXX XXXX from Steven and Michealson Associates keeps calling me regarding a debt that I do not know anything about. He keeps persistently trying to tell me that I work for some company that I DO NOT WORK FOR! He is harassing me and my family. He calls numerous times despite me informing h I do not know what he 's talking about. He leaves numerous voicemails daily on my personal cell phone. This is outrageous and needs to be stopped
debt was written off XXXX XXXX 2000 XXXX years ag0. resurgent capital servives now trying to collect.XXXX year statute in California..do I need to pursue legal action to get this stopped?
On XX/XX/XXXX I mailed a certified letter to Transunion. The letter was regarding disputes for unauthorized credit inquiries. I requested an investigation for about 18 inquiries in XXXX. I received a letter instead telling me to write to each company separately to report unauthorized inquiries instead of Transunion doing an investigation and checking the validity of the inquiries.
A few weeks ago I was on the XXXX website looking at a snow blower model that XXXX XXXX had recommended. Yesterday I received a XXXX credit card that I neither requested nor applied for. This morning I called the number that came with the credit card to cancel the account. The " customer service ' representative ( XXXX ) I spoke to was asking me for very personal information including my date of birth and social security number. Why in the world would they need that private information when I'm cancelling a credit card I didn't even apply for? When I resisted & questioned giving the private information she said " you mean the information we already have? '' When I refused to give my SS number the representative stated that I could either answer all of their questions or she would end the call!!!! I asked for a supervisor, she told me she didn't have one and then hung up on me. I am furious! How does this person even have a job, especially talking to customers? Is it even legal to send me a credit card I didn't apply for? I'm not sure if this is a XXXX problem or a Citibank problem ( I think they are the credit card issuing bank ), but either way somebody has a huge problem.
Date opened shows XX/XX/XXXX on my credit report. 
Closed date XX/XX/XXXX Credit Acceptance is reporting to my credit that I owe {$2600.00} to them for a vehicle purchase. I do not owe this debt. They are stating I provided my licence upon signing an agreement, which is false, i did not even have a valid drivers license in XXXX, up to now. 

The vehicle that was sold was a lemon, and has been sold by the company to repay what was owed. 
I reported this to the XXXX, and was told I had a valid license which was apparently showed at signing.
Today, XX/XX/2019, I, XXXX XXXX, received an envelope from XXXX XXXX. Clearly in the address window were the words " payable to '' followed by my name and address. I opened it out of curiosity. It was a solicitation to take a loan with XXXX XXXX. Upon reading further, the check was live and cashable. The terms of the installment loan would be an APR of 44.99 % for a two year, {$2000.00} loan. I have pictures and originals of all documents. 

I think this would qualify as predatory and deceptive.
My grandmother passed away XX/XX/XXXX and XX/XX/XXXX we contacted the reverse mortgage company that we her family wanted to payoff loan. They requested information about estate and deed. After XXXX month and various paperwork, they accepted our documents. Then they asked us in writing to fax or mail request for payoff loan and appraisal documents. Given that payoff loans are valid only for the month requested, we only have 30 days including business days to complete transaction. Then we completed request and holidays came so we submitted for XX/XX/XXXX and we are at XX/XX/XXXX and we still have not received paperwork. They make it really hard to complete this given that every month that goes by the increase on amount is added and the fees are over XXXX $ dollars. Since my grandmothers passing XX/XX/XXXX the amount accrued is over {$4000.00}. Please help. Thank you.
I disputed multiple times with the original debtor and then the debt collector capio partners. I disputed withthe bureaus and when they would not send proof to me or them I know it has to bew because they have none. I have had health insurance my entire life. Capio can't send proof even when asked to produce it they just generically reply back " debt verified '' They may honestly think the debt is valid but they should have to prove it. I have always had medical insurance since the day I was born so obviously not mine again. After no results through multiple disputes w/ all bureaus, All I was allowed to do was make a consumer statement on my credit report to the bureau but that did not help my credit it basically did nothing. 

Please help me and please tell me my rights, and what I am entitled to do. How to retaliate and get this corrected. 

I would also like to take some sort of action against them as they should not get away w/ this and should be made aware and change their policies of " verifying '' a debt. This is completely unfair to consumers! 
Someone told me something about the Burden of Proof in the Fair Credit reporting act years ago, when I had a similar problem. This happens all too often. Can we look into all the violations of all the times I requested proof and received nothing and fine them? Seems like that's the only way to get through to unfair practices being done to consumers by companies. Please tell me what disciplinary action is taken against them once I am proven correct. 

One more thing ... How do I report that these companies owe me money and then when the bureaus ask I will just report back " debt verified '' very generically. I would like to give them a taste of their own medicine! 

How easy is it for companies to report incorrect information? Seems to me it must be very easy? What kind of compensation can I get from these companies? Home prices are on the rise and I can show proof of my Home loan inquiry and credit score dropping and home prices rising here in XXXX XXXX! 

Sorry for the long message, so many questions, and all the scenarios. please call me with any questions or answers to all of my inquiries
Gathered my free annual credit report from XXXX XXXX XXXX. Went over information that was incorrect and called Experian to correct it. In the meantime I went over the inquires on my account, on my credit report the report shows no inquires that others can see, on Experian the report shows XXXX inquires that Experian and other creditors could see. I asked why it was only showing on their end, customer service rep said he did n't know, I asked to speak with a supervisor and asked the same question but they did n't. I asked if they could remove them from the system and the supervisor said although you can not see them, they will remain. The supervisor thought that there was an issue with the website I was on, she then asked me to look up my report on the Experian website, I did as such and it showed the same, no inquires. Supervisor said there is nothing we can do..
Hunter Warfield debt collection company has reported I owe a debt of over {$1000.00} which they purchased from a lease company called XXXX XXXX out of XXXX, Ohio. XXXX XXXX fabricated these charges in retaliation for me reporting and complaining about illegal activity on the apartment complex property which endangered myself and my children. When we broke our lease because of unsafe conditions and repeatedly being victimized by theft by other residents and their guests the leasing company withheld my security deposit and fabricated charges for non-existent " damages '' in order to recoup the rent that would have been owned had we fullfilled the remainder of our lease. I informed Hunter Warfield of this on every occasion that I spoke with them. They insisted they had verified the debt was " valid '' by taking XXXX XXXX 's word for it. I told them I had XXXX photos of the apartment on the day we moved out showing there were no damages but they refused to let me send them to them. After repeated contacts to my cell phone I informed them I did not want them contacting my cell phone anymore and requested they only contact me in writing. Collectors were rude and hung up on me when I made these statements, only to continue calling back to my cell phone multiple times. Their collection practices were aggressive, threatening, intimidating and illegal when they refused to stop calling my cell and refused to contact me only in writing. They also did not do a proper job of validating this debt as there were no damages to the apartment at all. I have now been denied a mortgage loan to purchase a home due to this specific item appearing on my credit reports.
On XXXX/XXXX/2016 I received a Debt Validation Notice letter from Quality Loan Service Corporation ( " QLS '' ). 
On XXXX/XXXX/2016 QLS received my Request For Documents ( " RFD '' ) letter via Certified Mail. In my RFD I requested validation pursuant to the FDCPA. I also requested information and documents pursuant to Arizona 's Administrative Code, XXXX, FINANCIAL INSTITUTIONS, AND INSURANCE, Chapter XXXX XXXX, XXXX XXXX, and specifically XXXX Disclosure of Information to Debtor. 
As of XXXX/XXXX/2016 I have received no response from QLS. Since that time I have searched on the Arizona XXXX website and was unable to locate a current AZ Collection Agency license for QLS.
This would be our THIRD complaint issued against Green Tree Servicing LLC ( " GT '' ) - now diTech. Following the transfer of our loan to GT we issued XXXX previous complaints with your bureau due to GT 's harassment and illegal deceptive collection tactics, etc. and their failure to provide accurate accounting information regarding our mortgage account. Following the previous XXXX complaints, GT did issue a letter ( XXXX/XXXX/XXXX ) providing the accurate account information as being current ( attached as Exhibit " A '' ) and finally provided the acct balances info, i.e. principal, interest, escrow, etc. we had REPEATEDLY requested. Presently, we have been approved for a new loan which would SUBSTANTIALLY lower our interest rate from the current GT-Ditech 5.875 % rate. The new lender requested verification that our last 12 mos. payments on our GT-Ditech mortgage have been timely which of course they have. However, because of the inaccurate and FALSE information provided by ditech to our new lender regarding the history of our mortgage account insisting that we have been " seven times late '' when in fact this is completely FALSE and inaccurate as evidenced by the attached documents under Exhibits " A '' thru " D '', we have been unable to close on the new loan. The attached Exhibits prove that GT-Ditech 's information is FALSE because our account in fact has been, and is current as each and every payment made on this account has been TIMELY going back to even XXXX/XXXX/XXXX when GT issued their letter confirming the account as " current ''. We contacted Ditech on at least XXXX separate occasions on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX in an attempt to correct the information. The first representative did n't understand our account and provided wrong information and refused to transfer us to a supervisor. The second and last representative ( there have been MANY ) to whom our account has been " assigned to '' after we explained the situation and that we just wanted the accurate information provided so we can pay off the loan and close escrow with our new lender - said " there was nothing he could do about it '' and hung up. Ditech 's actions appear to be INTENTIONAL so that we are OBLIGED to keep our high interest bearing loan with them all for THEIR financial gain and OUR financial detriment. PLEASE HELP!!! Thank you.
I have a Sam 's club credit from Synchrony Bank. On a trip from NY my card was frozen and could not use the card for any transaction without the Synchrony bank notifying via phone or email. After I called the bank, they claim ther is nothing wrong with my card and should work. Upon numerours attempts at different locations, my card failed, I went to Sam 's club to rectify this anoying issue. Prior to me going to Sam 's club, I called Synchrony bank to update my profile over the phone since i could not do that online upon several trial. My phone was updated, according to the representative i spoke with. Yet after Sam 's club representation got on the phone and spent almost and hour with Synchrony bank, the bank could not verify my account because they claim they do not have any phone number on my account and the only means they can verify my account is to send me a snail mail, but they can not send an email neither even though i have an email address on my account profile. The letter i received from Synchrony bank state that they could not verify my account and they are sorry for the misharp. 

Currently i know my account will be due soon, but do not know the exact date and amount. Yet since i can not access my account via any means, the bank will be charging me for late fees and be placing such derogatory comment on my credit. 

To prevent this from happening, i have attempted on several occasion to contact the bank with no success. 

I want synchornous bank to activate my account, through the normal mean as permitted by law, via my new updated phone number and/or email.
Ditech began servicing my mortgage in XX/XX/XXXX. One of the first things they did was refund me nearly {$1000.00} from my escrow account. I assumed they knew what they were doing and cashed the check. In XX/XX/XXXX they did an escrow analysis and stated that I was short due to the refund that was a mistake on their part and my mortgage would go up {$100.00} for the next year to make up the shortage. That much I understood. However, in XX/XX/XXXX they did another escrow analysis and stated I was now {$2300.00} short. I was given the option to send in a lump sum of {$2300.00} or spread the payments out over the next 12 months increasing my mortgage from {$650.00} to {$840.00}. My payment in XX/XX/XXXX was {$570.00} and the property taxes have not changed since XX/XX/XXXX. Being that my taxes are $ XXXX/yr and home owner 's insurance is $ XXXX/yr I fail to see how my account could be In the neighborhood of {$3400.00} short in just a couple of years. My taxes have never been late or increased since they began servicing the loan. I am a real estate salesperson and appraiser so I have an intimate knowledge of property taxes and mortgages. For the life of me I can't get an answer or reason how my account could be this short. The mortgage all along has included an escrow payment of {$190.00} which is the exact amount to cover the taxes and insurance. 
I started in XX/XX/XXXX making calls trying to get an explanation of what was causing the shortage. Since then I've made at least 6-8 calls speaking to all different departments, if they didn't transfer me to no one, with not a single answer. They have promised on more than a few occasions to get back to me or have an expert look into it again with no results or phone calls. 
Please help me end this egregious over step of power.
As a Federally Protected Consumer, Original Creditor, Principal of all accounts created by my seal/signature, I order XXXX to make recompense and pay redress and compensation for their trespass against me. XXXX has been attempting to extort and rob me using deceptive, false and misleading, abusive practices against me personally, my family and my household. This is criminal activity at least and is unacceptable by every means. 

You have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees for taking time to address these issues. Violations committed against me include but not limited to : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt. 
4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you.
5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation XXXX not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting to collect an alleged debt.
14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties.
15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name. 
18. Invasion of Individual and Family Privacy
This morning, I received an alert of a new collection account added to my credit report by this company. At no time was I notified, in writing or otherwise, of any attempts to collect a debt nor did I receive an opportunity to review, validate or dispute the validity of this debt by company. 

I request Convergent validate the following information immediately or remove any trace of this account from my credit reports : Full original account number Date original account was opened Any written agreements between myself and creditor stating this debt is owed Full account summary and itemized calculation of alleged debt Date of first delinquency Dates and times of any phone calls made and letters mailed in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving these communications were made as governed by FDCPA law Phone number and address they have on record to correspond with the demand above
I have send letters disputing wrong negative information on my report. XXXX has mail me the results as verify but I have never received any legal proof that negative unverifiable information belongs to me.
XX/XX/XXXX emailed company no response and again reached out XX/XX/XXXX again no contact.
XXXX XXXX XXXX XXXX XXXX is reporting on my credit an account opened in XX/XX/XXXX, classified as adverse account ( exhibit 1 ) updated in XX/XX/XXXX that was not in my credit prior to that date. It is described as individual second real state mortgage with late payment of 150 days, I haven't acquire any house mortgage with XXXX. I went to the bank on XX/XX/XXXX and ask for origination verification evidence of the debt, XXXX XXXX XXXX told us that it was too old to have evidence on hand. On XX/XX/XXXX I send a dispute and verification letter to XXXX ( exhibit 5 ) and again in XXXX XXXX ( exhibit 9 ), at this date only 4 collections letters I received ( exhibit 7 ). Forty-five days have pass and my FTC under FDCPA rights are been violated also the DACO in Puerto Rico Commonwealth Law 364, Art 5 to 9. Its a time-barred debt and an inactive account should not be over 10 years in the credit report.
XXXX Navient failed to help me prevent my charges from increasing and they failed to inform me of changes that occurred on my account even though I am on the IBR plan. Those changes on my account caused the monthly payment to increase to more than {$1600.00} month. They then took that amount and somehow compounded interest on it for two months. They said they had to do that supposedly because the income had to be verified again. So they took that and said it was going to be about {$7800.00} charge that would be added to my total amount of student loans. They have done this type of thing to me for years. They constantly fail to provide any help. They have structured their entire system to confuse, distort and take advantage of people. Navient employees harm innocent people 's credit. They permanently cause stress and suffering for people who are just trying to survive, including veterans. They charge those who have student loans extreme high costs and manipulate people so they can charge more and constant increase loan balances to benefit only Navient. Navient should have to pay back all of the money they have taken from student loan holders, including compensating the victims for the pain, suffering, duress, stress and other negative impacts they have needlessly caused against innocent people.
XXXX XXXX XXXX XXXX  continues to report inaccurate information on my credit report. The date of last payment is listed as XX/XX/XXXX on both XXXX and Experian reports on my XXXX report it reflects the correct date of XX/XX/XXXX I believe this was done to re-age my account! I have disputed this through the CB several times.
My wife and I were rejected for a Home Equity Line of credit despite the fact that we have over seven million dollars in net assets and credit scores of XXXX. We believe we were rejected because of our age - we are both over XXXX.
My XXXX year old mother received a notification from Portfolio Recovery Associates LLC claiming she owned {$2000.00} dollars for a debt with the 'original creditor ' being " XXXX XXXX XXXX XXXX. ". They indicated she could pay the debt in installment and save up to about {$900.00}. My mother had XXXX in the prior year and was afraid it had something to do the that ( even though all bills had been paid ). I called the Portfolio Recovery Associates and after getting the run around and letting them know further correspondence would be through our attorney, they said the would just 'take her off the list '. We 'll see if this holds true. The point here is that she could have easily thought she owed the money and made payments. After looking at the information on the internet regarding this company, I think they are a scam prey upon older people.
I have never had an account with Capital One Bank USA NA yet they fraudulently opened an account in my name and have been having XXXX of their other subsidiaries, Capital One Services LLC send me payment notices. I have spoken with and written to them yet they persist.
XXXX XXXX XXXX XXXX sent bill for of XXXX for services rendered. This debt was sent to XXXX XXXX XXXX for collections. A settlement offer was sent for XXXX. This was paid by money order. No further contact was made in regards to this debt. A year later this debt was reported to the credit bureaus as an account still in collection for XXXX by Phoenix Financial services. This is incorrect as debt was previously settled.