WillisBack/dataset-financial-user-claim huggingface dataset:
I have asked Collection Svc Of Athens to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Honda finance used car : XX/XX/2018, $ XXXX.XX/XX/2018 {$1200.00}, XX/XX/2018 {$1200.00} XX/XX/2018 {$1200.00} ... i have spoke to American Honda finance on XX/XX/2018 and advised them that iam unable to make monthly payment on time as agreed because of iam unable to work as iam very ill from the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/2018 and that I need an goodwill of being late with this account there said I'll notated the account and a goodwill attempt will be made on my behalf I have spoken to honda finance on XX/XX/XXXX and there are not helpful resolved this problem regarding that iam still making payment on this account please help me remove late payment from American Honda
I contact US Department of education to help with XXXX XXXX loan. I talk lady name XXXX in XXXX explain to me that they could help my situation. I was told that Navient will pay off my loan with consolidate with payment of {$230.00} till XXXX and that would be all I have tp pay. I received letter in mail from Navient on XXXX XXXX, 2017 stated in the loan the loan amout from XXXX XXXX is {$35000.00} which Navient added on {>= $1,000,000} that brings my balance to {$560000.00}. I 'm confused and upset because they mislead information I would have never went to Navient company to help me with student loans. I would like to cancel my service and my first payment is not til XXXX. There has to be law suit against this company
I will like to flile a claim against XXXX in the amount of {$59000.00} for a debt of student loans! I would like XXXX to validate that these debts are mine XXXX XXXX XXXX, by providing me the original wet signature contract for all debts listed below! furthermore I would like to request a copy of XXXX XXXX and validation of original loan amounts and dates to which these debts occurred, ( listed by account number below ) are attached to! If all of the documentations are not sent, I will like for XXXX to reach out TRANSUNION, XXXX and XXXX and remove all debts from my reports. 

# XXXX {$9700.00} # XXXX {$4400.00} # XXXX {$4300.00} # XXXX {$8000.00} # XXXX {$4100.00} # XXXX {$4000.00} # XXXX {$1900.00} # XXXX {$1500.00} # XXXX {$7800.00} # XXXX {$1900.00} # XXXX {$1200.00} and any other debts you are wishing to collect on! please validate and stop reporting!
Nationstar Mortgage has repeatedly failed to pay my homeowners insurance and when notified of the cancellation, tried to initiate a lender-placed policy on my home. I have repeatedly asked that the escrow be removed from the account and they refuse to do so, claiming that the escrow is a requirement, since this is a federally-backed loan.
experian report had me and son on the same report he had s.s.number with XXXX mine with XXXX. t been deny credit become of this.
I did not give permissable authorization for XXXX XXXX to request my credit report for a vehicle loan nor did I need financing from Wellsfargo Dealer Services. The action taken by this company is fraudlent and I hereby warn and give orders to remove their inquiries from my consumer credit reports. No where did I sign application or ask for a XXXX dollar from this affliation.
I Purchased a defective product for over {$1400.00} using Paypal buyer protection. I was told to return the product for a full refund. initially I was told that the buyer protection covers shipping cost, but Paypal said i would have to pay the {$600.00} to ship the defective product back. I paid to ship it back and after it was delivered I was that I would not get a refund. Im out of over {$2000.00} and no product to show for it. I would like a full refund as promised including the shipping. Why should I have to pay {$600.00} to ship a defective item back? I have everything in writing and I spoke to a supervisor XXXX as well as a Manager by the name of XXXX on XX/XX/XXXX on a recorded call as well as in writing I was told I would get a full refund. I supplied the tracking numbers for the return and confirmed it with a signature as instructed by XXXX the supervisor.
I tried many times to place a credit security freeze online at XXXX. I put in all the correct information ( I have no XXXX or XXXX, XXXX, etc after my name ). After entering all the required information correctly, the website reports the folllowing : " Additional Information Required We 're sorry ... we can not process your online request concerning an XXXX  security freeze. To assist us in processing your request please submit in writing the required items outlined below. 

For all security freeze requests please submit the following ID information : your complete name including any suffix ( e.g. XXXX, XXXX, etc. ), complete address, Social Security number and date of birth. 

For the Placement of a security freeze, please provide the above required personal ID information. 

To temporarily lift a security freeze, you must submit all of the following along with the required personal ID information : - 10-digit personal identification number ( PIN ) - Date range ( e.g. XXXX XXXX - XXXX XXXX ) or proper information regarding the third party ( ies ) to receive your credit file ( e.g. XXXX ) To permanently remove a security freeze, you must submit all of the following along with the required personal ID information : - 10-digit personal identification number ( PIN ) - Two ( 2 ) forms of identification ( eg.Pay stub with address and utility bill ) Please return your required personal ID information along with any additionally required information noted above to : XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Please include payment by check or major credit card for the appropriate fees. For XXXX, XXXX, XXXX or XXXX XXXX payment, please include your name as it appears on the card, the card number and the expiration date. Please click here for the fees associated with your state 's security freeze. 

We will provide you with written confirmation of the successful completion of your security freeze request. 

To make a security freeze request with the other national consumer credit reporting agencies, please contact XXXX and TransUnion : TransUnion XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, TX XXXX ( XXXX ) XXXX ( XXXX ) XXXX Thank you, XXXX XXXXXXXX XXXX XXXX " XXXXn and XXXX allows me to do this on-line. This demand of performing a freeze request by mail is an undue burden and obstacle put in place to deter the consumer from doing what is his/her legal right. XXXX only wants to continue profiting off information about the consumer, to the consumer 's detriment. XXXX can not be trusted with distributing my information securely nor admitting failure to do so in a timely manner to enable me to protect myself from identity theft. 

Why is n't there regulation against this?
I have contacted TransUnion several time about removing fraudulent information from my credit report. They are quick to update any and every thing that is given to them but take there sweet time and make you jump thru hoops to correct any false information. I am a Victim of identity theft. The inquiry, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
They 've have contacted me over 25 times via robocalls illegally. I am on the do not call list. They were looking for my husband. I told them to stop calling my phone. I am on the do not call list and have never told them to call me. The lady who calls is rude and calls me multiple times a day to harass me. She frequently calls before XXXX. She wakes my sick baby up. I did a letter with my husband asking to cease communications until they verify my husband 's debt, I asked them to futher not contact him on my phone, I told them I never gave them my permission to call my phone and I have been on the do not call list for 3 years. They illegally recorded my phone calls without my consent. They call and wake my husband, our sick infant and myself out of sleep. They call before XXXX frequently.They are causing me great mental anguish and my child as well. They have violated XXXX state law, debt collector laws, and the tcpa act. I am further reporting them to the XXXX as well as the XXXX. I have already reported them to the Ftc because they are unwilling to resolve this.
In XXXX, 2016 XXXX inquiries were removed from my credit report and thereafter loved back on my file without written notification.
I wanted to info that i have been contacted several times by Drive Time with collections efforts without being read my Mini Miranda rights with multiple Vmails with personal information, I shared this concern with managment at Drive Time and i got told that even though the state of Texas inforces the mini miranda to be read when debt is due, they ( Drive Time ) as a company are excepted and dont need to advise. I am a little worried my information is being given without consent as well as my rights not being read.
I have disputed the late payments on XXXX XXXX XXXX accounts for months. Equifax refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Debt does not belong to me. Belongs to my ex husband. This debt collection agency has repeatedly reported and validated to all XXXX bureaus regarding an old utility debt. They have refused to provide any documentation to me, to validate that this account is mine.
This loan was charged off and settled in XXXX of 2016. I requested that all information about this loan be removed as a condition of the settlement however it still appears. This loan company makes predatory loans on small/disadvantaged businesses with onerous terms and high interest. This loan was one of the factors that led to the failure of the associated business.
XX/XX/XXXX I had wired funds to my step brother in XXXX.I had used wire services of Citizen bank.As of today XX/XX/XXXX, 6 weeks later the funds has not been received.I had talked to various people at their wire department since XXXX have been getting conflicting answers from them at the very least and some of them were just plain rude.The XXXX people I talked to most are XXXX XXXX and XXXX ' ( who did not want to give me her last name ) .I had requested them for an identifying number so that recipient bank can trace the money.But all XXXX said was'XXXX ( intermediary bank ) told my brother to get into the recipient bank branch and CLAIM HIS MONEY '.
Each year I have to reapply for Income Driven Payment plan for my student loans. My payment for XX/XX/XXXX was {$170.00}. I received an email on XX/XX/XXXX advising that my payment will increase to {$420.00} on XX/XX/XXXX if I do not reapply by XX/XX/XXXX. I submitted a new application with new financial information ( pay stubs ) on XX/XX/XXXX and received a confirmation email that it was received. Then I received an email stating that my application was approved on XX/XX/XXXX but on XX/XX/XXXX I received an email stating my payment still had increased to {$420.00}. I called into XXXX  because I had provided all the information and got my application prior to the deadline and received the approval notice. The representative advised me that for some reason my information never got processed but could n't give me a clear reason as to why. My new and largely increased payment was coming up and I had to provide more income information since it had been past 30 days of the original pay stubs I sent in. Because I would not be able to make the new payment of {$420.00} by the due date and I did not know how the it would take to process AGAIN I had to opt for one month of forbearance while they were AGAIN processing the information I had to resend in. I received another email stating my application was approved on XX/XX/XXXX. But because of the forbearance my credit score dropped 48-58 points between XX/XX/XXXX and Equifax on XX/XX/XXXX. I called a XXXX representative and they did not provide any help. I am extremely upset because this was not my fault that I had to do a forbearance because they did n't properly process the information the first time. Along, with I was not late on a payment. My credit score should not be affected for the errors that XXXX made.
I was checking my credit report last night and noticed it had dropped XXXXpoints and there was a collection account listed. I looked at the collector 's name and called today. I informed them that I never received any type of communication regarding this debt. The man I spoke to who 's name is " XXXX '' told me they sent out notices to an unknown address. I related to him that I live at a different address. He then told me there was nothing I could do but send dispute letters to the credit bureaus. I told him they have hurt my stellar credit rating and I am in the process of buying home. He then told me the debt was for XXXX -- that is right XXXX. The agent then hung up on me. I called back to get his name and they put me on a very long hold and hung up. I called again and was finally able to get his name. I have sent them a debt validation letter and they have not responded to that request. I looked the company up on XXXX and they have the worst reputation. They are ATG Credit LLC
I received a statement in the mail from CMRE Financial Services saying that I was in collections for a balance of XXXX for XXXX XXXX XXXX XXXX XXXX a place I have never been ). I recently did have imaging done, but I called both facilities/doctors that ordered and administered my appointments and imaging and XXXX said that I had no outstanding bills. I looked up XXXX XXXX XXXX XXXX and their phones just ring until you get a recording that specifically mentions if you have a billing question to call a certain number, that number also just rings and rings. The letter from CMRE states that have tried to collect this outstanding balance multiple times, yet I have never once received a bill. I do not know what to do at this point, because I do not owe anyone money, but these people are falsely stating that I do.
I have been corresponding back and forth with XXXX and now XXXX for the past year regarding the late payments they are reporting on my account with the credit reporting agencies ( Equifax, XXXX and XXXX XXXX ).

XXXX is reporting two 60 day late payments on two separate accounts! Not 30 days, but 60! I  have asked for explanation and proof that these payments were billed as payments due and not received. I am not accustomed to NOT payment my bills. They responded by providing the attached statements for both accounts. Neither of the statements show when a payment was actually due or the amount that is due. They do show when I made payments and how much was accepted and posted to interest. It also has a column for Late Charge paid, but no amount is ever listed in that column, even when payments were made. 

My argument is that the accounts have been in forbearance for pretty much the life of the loans, so any payments that I have made has been only when interest payments are arranged, which I get emails when payments are due and I pay them, as you will also see on the statements. There is no indication on the statements that payments were due in XX/XX/XXXX or XX/XX/XXXX. You will also see attached, a statement from XXXX notifying me that both loans was back in forbearance beginning on XX/XX/XXXX. When I submitted this to XXXX, they said that the payments were already scheduled for XX/XX/XXXX ( ahead? ), but I never received any notification of payment due in XX/XX/XXXX.

There are also other dates listed on the statements where there was no payments received that they have NOT reported late. Therefore, how does this prove that the late payments they are reporting are accurate? 

I am asking that the CFPB review the attached documents provided by XXXX and myself and help me to determine whether they have legitimate reason to report the late payments at all. Let alone 60 DAYS late! Come on!
I contacted Ally financial at XXXX the beginning of XX/XX/XXXX, stating I was in the hospital for 3 almost 4 months and that I was waiting on my XXXX XXXX XXXX from work and that I also was going to get a loan from my 401k to pay my car payment to catch up what was past due. They understood and I was in constant contact with them. I called them XX/XX/XXXX stated I received a check from work and that I was going to XXXX XXXX per their request and was going to make a payment of {$2500.00} but I did not know the fee to do so was {$9.00} so I made {$2400.00} payment. I never done XXXX XXXX before so, I was very nervous about doing the payments this way. I made the payment and was given a track # XXXX and the clerk said it was sent. I called Ally Financial on XX/XX/XXXX and asked how much was left that I needed to pay on the car to be up to date on my payments. They said they sent the money that I sent XX/XX/XXXX back because it was not the correct amount and so, I needed {$4100.00} now to be up to date on my payments. They also said, that they tried contacting me when I called them stating the amount I was making was n't going to be enough. I got off the phone with them contacted XXXX XXXX at XXXX and the operator stated that Ally Financial indeed did receive the money. The operator said she would resend the money if that was the case and that she would make a note about the issue and she got clearance from her supervisor. Well, I contacted Ally back and told them what XXXX XXXX had stated and the person from Ally stated they do not have the money. I said, well XXXX XXXX said they will resend it and that you should receive the money in 24-48hrs. I also, told Ally XXXX XXXX said if they are okay taking 2 separate payments they would do 2 separate payments. Ally agreed to take separates payments. I said I am going to send the rest that you said is needed so it will get to you at the same time you get the other payment. I sent {$1600.00} through XXXX XXXX tracking # XXXX and I thought I was caught up on the payments. XXXX XXXX. I woke up to my car being gone. I thought it was stolen and I was going to call the cops but something told me car Ally first and ask if they took the car and I did and they said yes. I was upset because all my belongings are in the car. My grandson 's carseat, my work I.D., my GPS everything. I had no clue they were going to repossess my car. I did not get a letter nothing. The repo company did not knock on my door, nothing. Ally gave me a number to contact the repo company XXXX to try to get my personal belongings back. I called them and they took my name and number for a XXXX to contact me. XXXX contacted me stated I have to make a appointment to get my belongings. I made appointment ( but unfortunately have to try to find a ride ). The Repo place is an hour and half away.XXXX XXXX XXXX , XXXX Pa XXXX phone number XXXX. I contacted XXXX XXXX again and requested a refund of both transactions. I feel this was a wrongful repossession.
calls on XXXX XXXX from Portfolio Recovery re debt of approx {$6900.00} from 2012. Asked they stop the calls because I'm on SSDI with no assets of any kind. Asked that a judgement be taken for this if it hadn't been done yet ( I believe it has ), put a note into my file regarding inability to pay and to stop calling. They continue to call even when I told them I am reporting them.
I have been a client of Wells Fargo for over 10 years and just received I have noticed some unfair business practices in comparison to my other banks. I have a checking account and debit card associated with my account. For the past few months I have noticed that Wells Fargo will hold transactions until close to midnight. This has happen ago on XXXX. 

I had a total of {$30.00} in my account Wells Fargo, I had a check ( dated for XXXX ) post to my account late on the XXXX. I did not receive my " account notification '' of this posting until XXXX. I immediately transfered money over, and Wells Fargo again posted a {$35.00} overdraft fee on my account at XXXX. 

This year alone I have paid over {$730.00} due to these practices. My previous complaint result in only a {$280.00} refund of these fees. And again When I spoke to someone about my concerns they explained that transactions post when they occur, which has NOT been the case for my account and i have even requested for an email to be sent when my account goes under {$50.00}. My notification came hours later! 

I also have a XXXX XXXX XXXX and XXXX account and I have never experienced them holding transactions until close to close of business. My transactions posted shortly after I use my card and any ACH cards are posted earlier in the day. Which, if over drafted, I have to opportunity to make cash deposits that post immediately.
Equifax is reporting a fraudulent account on my credit file. XXXX XXXX # XXXX is a fraudulent account that i did not open or authorized for anyone else to open. I have contacted Equifax previously about this account and they have yet to remove the account from my credit file. They have yet to provide me with proof that I opened this account. If Equifax can not provide me with physical proof that this account was opened by me then I would like the fraudulent account removed. This will be my last contact with them before I contact my attorney and proceed with legal action for reporting fraudulent information on my credit file and not providing me with the proof that I opened the account.
my school loans were paid and closed in XX/XX/XXXX/XX/XX/XXXX because of my XXXX. The loans from XXXX XXXX XXXX, Navient and XXXX show the status of unknown - XXXX said i have to file a complaint with each servicer of these loans to have their status corrected.
On XX/XX/2018 I submitted an initial dispute to all three credit bureaus, specifically requesting the validation of debt that I was disputing on my credit report and the removal of such accounts is the proof was not produced. On XX/XX/2018, I sent a second dispute letter to all bureaus reminding them of the fair credit reporting act and their obligations as companies that furnish such information. I have yet to receive any proof of the debts/ accounts I am disputing. The 30 days for each letter has passed and the dispute has not been handled properly under the consumer laws of the FCRA. Each of these debts have been disputed and deleted in the past and keeps reappearing on my credit report, being either sold or charged off each time they are disputed. The specific accounts I am disputing have made it to the collections section of my credit report which is heavily damaging my credit score. The credit bureaus have failed me as a consumer by not ensuring that the information being reported by them is identified correctly. I am requesting that once and for all these accounts be deleted from my credit report.
I purchased a vehicle through J.D. Byrider/CNAC almost 9 years ago. I started having problems with the vehicle and with trying to get it fixed and stay current on the payments it became overwhelming so i included the car in my bankruptcy. I contacted CNAC to have the account removed from my credit reports but they have refused to do so. the vehicle i purchased caused enough problems, and even with all the repairs and money i had to put into the car i still made sure i paid my car note on time. I want the account deleted off of my credit reports as soon as possible.