WillisBack/dataset-financial-user-claim huggingface dataset:
I submitted a complaint case number XXXX and the company responded which I have included below. It has been over 30 days and its still showing on my credit report. I want it removed as stated right away .... 


STATUS Company responded on XX/XX/2018 RESPONSE TYPE Closed with explanation Company 's Response Midwest Recovery Systems ( MRS ) strives to provide the highest quality of service to our clients and our clients customers. Therefore, MRS regrets hearing otherwise and takes these matters very seriously. Thank you for bringing this complaint to our attention and we appreciate the opportunity to respond. Upon receiving notification of this complaint, MRS investigated regarding this matter. It was found that our client was unable to validate this debt. This account has been marked as Unable to Validate as of XX/XX/2018 and a record of deletion will be sent to the three credit reporting agencies. Please allow 30 days for the credit reporting agencies to update their records. If there are any questions, please contact our office to resolve this at XXXX. You may also email us at XXXX. - MRS Compliance Team
Citizen 's Bank employee by name XXXX called us on XX/XX/XXXX and offered apply for refinancing of our home equity loan with a lower interest rate ( 2.5 % ). She asked for the last year tax return and my husband 's last XXXX pay stubs. The next day we provided those documents. Now, we are harassed by a woman by name XXXX XXXX XXXX, who tells us what to do ( to pay XXXX amount of money which is disputed because XXXX charged us fees for internet services which we did no use and which came from third parties ). Eventually there was a class action lawsuits filed and XXXX settled. In our case XXXX demanded some of disputed amounts and we refused to pay. Eventually XXXX cut off all services except for XXXX telephone line. at that point it was discovered that XXXX switched our telephone lines making primate line a secondary and the secondary as a primary. At that point our XXXX started to show error message on control panel and we discovered for the previous two years we had a security system for which we paid but which did not have connection to the XXXX. We demanded charges to be reimbursed and complained through FCC but although XXXX committed perjury FCC did not satisfy our request. We switched to XXXX and for the last 7 years do not respond to XXXX offers to switch back to them. No money would be paid out of the disputed amount. XXXX XXXX started to harass us demanded the payment of the disputed amount, additional documents ( XX/XX/XXXX tax return and proof of home owner 's insurance ) which we provided. Now she started to ask about companies we have no idea about and again for documents that we had already submitted. It appears that she does not know what she is doing and we refused to deal with her. She said she would withdraw our application. It appears that because we are foreign born we are systematically are harassed, intimidated, insulted and humiliated by banks in the US.
XXXX XXXX XXXX acct, td bank should be deleted as they were paid in full over XXXX years ago and XXXX years ago charged off acct was a fraud acct and XXXX acct/XXXX was never late as they were ordered to change due date to the XXXX they took XXXX months to do that as the payments were made before the XXXX and XXXX acct was paid and closed over XXXX years ago never late delete this acct
I have called Nationwide Credit , Inc. to get a physical address to send a cease and desist notice and validation notice. This company refused to give me the address, preventing me from sending a certified mailing to insure receipt of my letter.
Santander Consumer U.S.A. repossessed my car due to non-payment. That is not the issue. They have my home phone number, as well as my cell phone number, to reach me. They have contacted my parents, who were not on the loan and were not listed as references on any of my paperwork for the car loan. They told my mother that my car was repossessed and that they are attempting to reach me to pay off the balance of the loan. They never had my permission to tell my parents about anything concerning my loan.
This complaint is regarding my mortgage company, Carrington Mortgage Services. One month ago ( XX/XX/XXXX ), I submitted a request for mortgage assistance as we have fallen behind on our payments due to my husband being out of work for several months after having XXXX and being quite ill and unable to work. I am requesting either a modification or a longer-term formal repayment plan. I faxed them every single document that they requested of me. I have been working with XXXX XXXX in the advocate office at Carrington and he told be back on XX/XX/XXXX that all of the documents had been received and that they would be in touch with me if they needed any further information or documents from me. It is now about to be XX/XX/XXXX and I have not received one single ounce of communication from Carrington regarding my request for assistance, not a single word at all. I have called XXXX XXXX every single day this week and he keeps telling me that there have been absolutely no notes put into my account and that he has no idea what is going on or what the status of my request for assistance is, even though it has been an entire month since I sent them the request for mortgage assistance documents, including mine and my husband 's pay stubs, bank statements, utility bill, tax forms, a letter explaining the circumstances that caused us to fall behind, and the paperwork that they sent us to fill out. XXXX XXXX has been telling me for the past 4 days now that someone would be calling me to follow up, but no one ever has. I have not even received anything in the mail from Carrington confirming that they received my request for mortgage assistance, which I thought they legally had to send. I am getting beyond fed up with their nonsense and demand to be updated as to what is going on. My husband has since returned to work and we are able to afford our regular payments again, but is getting caught up on our past due amount that we need assistance with. I can not believe that Carrington has not communicated with me one single time since I submitted the request for mortgage assistance an entire month ago. Totally unacceptable.
I have contacted this company be certified mail asking them to verify the dept that they say I owe with no response. They are reporting these XXXX accounts ( which are not mines ) on my credit report and will not communicate with me or give me the opportunity to clear them up.
I have been disputing this debt with XXXX XXXX XXXX XXXX ( XXXX ) with no resolution. I sent a certified validation letter on XX/XX/18 in regards to this collections being reported on my credit report. I respectfully requested a validation in which I have the right to request due to the debt you say I owe under the pursuant to 15 USC 1692g Sec 809 ( b ) of the FDCPA. I received a letter stating that this account number xxxxxxxxxxxxxxxx was sold to XXXX XXXX XXXX ( XXXX ) and the time of the sale the Seller provided an electronic file, a summary of information sent in the electronic file and a bill in the amount of {$5100.00} which does not constitute validation. I sent another certified validation letter on XX/XX/18 and in return they sent the same letter as the first time. 
I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt I Also need to know what information was sent to the credit bureau to validate the XXXX. I have no contractual obligation with this company but yet they continue to report to all three credit bureaus in which is unlawful being that they failed to validate the debt. This debt constitutes defamation of character, as negative listing on my credit. I requesting they provide me with evidence that I have any legal obligation to pay or promptly delete all information from my credit file which can not be validated.
Please can you help with My problem with XXXX XXXX I turned in a lease early I leased the vehicle in XX/XX/XXXX and turned it back in XX/XX/XXXX I had put {$6500.00} down at the time of signing so when I turned the vehicle back in the dealer and XXXX XXXX told me I was in the green with early termination fees. From XX/XX/XXXX to XX/XX/XXXX on all 3 of my credit bureau reports showed XXXX balance for my XXXX XXXX account. In XX/XX/XXXX I hired a company to clean up my credit they disputed my XXXX account and they came back stating on all 3 of my credit bureau reports that I owe {$12000.00}. Then it was disputed again then on all 3 of my bureau reports {$5300.00}. As of today XXXX on all 3 of my reports says I have a past due balance of XXXX Ive talked to over 20 different people at XXXX XXXX   and get no answers they just transfer me from person to person and nobody I talk to has a clue on what is going on they all tell me different prices that I owe. I tried disputing it with all 3 bureaus and get no help with anyone. I do not know what to do I am so very frustrated with this I do not owe them any money and I do have credit reports post to XX/XX/XXXX showing that this account was a XXXX balance I can not even get a car loan because this in on my credit report please help me thank you Sincerely XXXX XXXX
I received a letter over the XXXX holidays for an amount I owed my medical provider in XXXX. The total amount seems suspicious and very low ( totals to less than {$100.00} ). But this debt collection company XXXX XXXX has added on {$2200.00} as additional and {$550.00} as interest! 

To my knowledge Ive paid all the bills correctly with my medical provider. 

In addition, they claim to begin collection activities within 10 days of receipt of the mail. Unfortunately that means that due to the holidays, it leaves me very little time to respond and investigate. 

Plus, adding XXXX dollars to a XXXX dollar debt seems ridiculous. Please help!
On XX/XX/XXXX & XX/XX/XXXX, i called Santander consumer to explain to that I went through multiple family deaths within this year and last year & have been unable to pay my bills on time, I wanted to see if I was able to get a goodwill adjustment and what I was told NO they can not and will not do any adjustments and they dont like to keep received emails asking.I informed they that I was really sorry and will most def pay on time for the remaining time on this contract with them she didnt want to hear what I had to say. I informed her I was contacting CFPB & she said it didnt matter nothing would change. Please Help.
I have been contacted by ZFN associates on multiple times before XXXX. These calls are coming from XXXX as recent as Tuesday XXXX XXXX, 2016 at XXXX PST.
I am in deep student loan debt, started a repayment and had good status. Moved from being in poverty in XXXX, Ca. and now XXXX put illegal amounts of loan added since then in XXXX 2014. Help me, I can not get any credit and need to see what is really owed, I do not trust them at all. Help, XXXX XXXX
On XX/XX/17 I needed to pay for a major repair on my vehicle and had to refinance an existing loan I had with Rise credit to an amount of {$2500.00}. Since that date I have been making regular payments twice a month of {$230.00} and it has all been interest. I have made 21 payments, so over {$4000.00} in interest and my principal balance has not gone down at all. I am at a loss of what to do, because I was in a tight spot but had I known id be living this nightmare I never would have taken out this loan.
There is an invalid and prematurely placed lien reporting in the public records section of my file. A TAX lien labeled under ID # XXXX needs to be removed. I have repeatedly disputed this account because it has been removed from my name and is no longer on my file in the county and federal courts. this lien was accidentally placed and is no longer valid nor has been valid for years now. I keep relaying this information to TransUnion to remove it but they refuse and keep verifying it as mine but do not conduct a proper investigation to see that it is NO LONGER ON FILE and not linked to my name. They refuse me any procedures or any description so that I may see how or who has verified this to be accurate. i do not believe that they have conducted a legal investigation at all. they continue to violate the law and they are ruining my life. please, can the CFPB and FTC help assist me in holding this company responsible for their fake investigative duties and their lack of proper correspondence with the consumer?
An email and phone call were both placed to Rise Credit Customer Service to stop ACH withdrawals. I actually spoke with the customer service rep about the loan being settled ( paid in full ) since I've paid what I have borrowed but nonetheless the ACH withdrawals were supposed to be stopped and I got confirmation via Phone and E-mail that they were but yet I got a notif that my checking acct was overdrawn due to a ACH withdrawal from Rise credit.
XXXX is reporting an open account XXXX XXXX XXXX. This is not accurate. They may have acquired this fraud debt then but I have been disputing this matter since XXXX of XXXX. I was XXXX to XXXX from XXXX XXXX XXXX XXXX. Someone purchased a motorcycle in my name! I have asked repeatedly for the documents to prove I made this loan. I have NEVER received anything. The reason is because I was not in country to make this loan. I provided both the original creditor and XXXX this info. No response. I have spent more than {$100.00} sending them certified mail, no response. They are first reporting a debt that is fraud and second reporting the date of when they got the account, not the actual date the fraud took place. I do not know what else to do. Someone also opened a XXXX phone line during this time, XXXX has since taken the reporting off.
Carrington Mortgage processed my home loan in a illegal and unethical way. Which has resulted to XXXX of dollars lost, loss of time to formulate a resolution, this negligence has caused an XXXX veteran and their family members to suffer homelessness, XXXX, financial loss. False allegations have been made resulting in defamation of character. Many parties and individuals involved have suffered defamation of ethical capability to perform with in their professional ability that provides for their income and future career standing. Physians have been notified and have documented these truths in efforts to assist the victims and provide adequate guidance to recovery.
Ive had a PayPal account for years without a bank account attached. Recently I attached a bank account as a means to expedite withdrawing money from my PayPal balance. PayPal inappropriately and without authorization or knowledge debited my account for a refund i had processed. I was instructed by PayPal to link a back account to fund my account for the refund, which I did, {$400.00}. In addition PayPal debited my account for {$380.00} for the refund. So {$780.00} was debited from my bank account for a {$380.00} refund. Now- PayPal refuses to allow me to unlink my bank account from my PayPal account. They cant be trusted to apply legitimate accounting principles or be trusted. Ive requested NUMEROUS times fo them to unlink my account, the only response i get is auto generated not specific to my request and complaint. PayPal accounting practices and principles should be investigated. In the short term I would like for the FTC to order them to unlink my bank account. Ive offered to link a credit card in place of the bank account, to date, no response.
XXXX XXXX XXXX XXXX. XXXX, XXXX ( Retired ) XXXX XXXX XXXX XXXX, Georgia XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX In reply to your letter dated XX/XX/XXXX Recd o/a XX/XX/XXXX Re XXXX # XXXX This is My FINAL communication with you! You have apparently not read or have Employees who can read the previous communications. <P/>I am a retired XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am XXXX YOA and have all my faculties. <P/>I am not impressed at with your False Investigation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Two Statements and two advertisements do not qualify as an investigation. I think I have given you this statement previously. This was sent to XXXX early on : ( XX/XX/XXXX ) I contacted your support for help to get the XXXX router working, which I paid {$190.00} for. The XXXX worked great for about thirty days, and I have had nothing but trouble since. I have sought help from the company store, your local support, and by your Phone support without success. I have to reboot the router at least 4 or 5 times a day and recently every hour. My phone is also attached to the router and everyone is getting mad with me because they cant reach me by phone. I was still having problems with it when it was finally turned off! I have found an alternative service. I am terminating this account as of XX/XX/XXXX the date it was last used. Im enclosing my check for {$52.00} again, which is my FINAL PAYMENT for the XXXX Router Conection. I will take the other charges that I paid as a lesson learned. I have received far less service from you than I agreed to pay for. I am totally disappointed with XXXX, and I can never recommend you to anyone in the future. I will not pay for a system that does not work! This is the Last time I will waste a Postage stamp telling you whats wrong with this account. <P/>There is no law in the world that would require me to pay for a service that doesnt work. I paid all fees for seven months hoping we could have gotten this to work. I have all the bills they have continued to send me thru XX/XX/XXXX. Starting with a {$0.00} balance in XX/XX/XXXX to a {$230.00} in XX/XX/XXXX. Including your firm, I have received collection letters from 7 different collection agencies. Yours is the last. <P/>Yours Truly, XXXX XXXX O XXXX , XXXX Copy : CFPB
Transunion had a glitch in their system that violated the rights of their consumers under Section 6.11. As a result I have been greatly affected and my credit score is suffering as a result. No notice was ever given which is also a violation. I am requesting that all inquiries during this time be removed.
i have a open line of home equity credit with wells fargo. They claim that i owe over {$430.00} in backed interest. This is a lie! I have never been late or missed a single payment. the service rep i spoke provided me with little or no explanation and claims that this is backed money owed from when this loan was owned by XXXX XXXX. again this is a lie! i have never been late or missed a payment. it is common practice when a loan is sold from one bank to the next everything is done to rob the customer of every penny possible ( i.e " missing '' payments, hidden fees, and dishonest practices ). until wells fargo can prove i 've missed a payment or legitimately owe this money. I demand this amount be refunded as well as every penny i 've been paying extra to my principal balance off that wells fargo has been stealing, and making sure to hide it from my statements since before 2011
This company is abusing people Santander Consumer USA I took a loan for XXXX and I payed the dealer XXXX dollar down payment on XX/XX/XXXX For a XXXX XXXX XXXX ( used car ) I payed 5 years 6 months XXXX   and stop paying on XX/XX/XXXX .. because the remaining balance in the loan for the car after I payed XXXX was XXXX y surrender the car to them they reportedly as reposes. Almost 30 % interest and hidden fee. They wanted me to pay off the car if I put XXXX dollar more. A XXXX XXXX XXXX is becoming almost XXXX thousand dollar for a use car?? This company is abusing people. Should be off the market. This loan is still on my credit report after 7 years it's supposed to be deleted after 7 years. Loan started XX/XX/XXXX and end XX/XX/XXXX XXXX.please help fix this ..
I reached out to my bank in an effort to provide my family with a home to live in. I thought I would request the bank to lend me the amount of XXXX. The monthly payment would be less than the payday loan they were providing me with until I closed the account because it had a negative effect on my credit report according to a reporting agency it was showing not on time. The North Carolina State Employees Credit Union and the members board turned me down. How can you approve a loan that would average out the same amount if I would have continued to borrow payday loans for a full year. The payday loan does not have any resale value if I decided to default on the loan as a home would. 

Thanks, XXXX XXXX
I recently tried to get an apartment in my name. A apartment complex reviewed my report and informed me that I had a debt in collection from  XXXX   XXXX , a apartment complex in  XXXX  TX. I 've never stayed in  XXXX  before and do n't know where this debt came from. I called the debt collection agency, Profession Debt Mediation ; they informed me that someone named  XXXX   XXXX  had opened the account with  XXXX   XXXX . He used my social security name in order to open the account. My name is  XXXX   XXXX , phone number  XXXX  address  XXXX   XXXX   XXXX   XXXX   .   XXXX   XXXX   XXXX , TX  XXXX
I used my Chase Bank Credit Card and thought I was charging a {$500.00} retainer fee to XXXX XXXX XXXX XXXX XXXX. What I did not know was XXXX charged a total of {$1500.00} against my charge. XXXX did not represent me in a legal way and was totally corrupt. See the following : 1. Ineffective Counsel, Legal Malpractice, Failed to Render Professional Services with Skill, Prudence, Diligence and Showed Me No Loyalty. AND - 2. Clearly Excessive Retainer, just asked for my credit card ( Chase Slate ) and charged {$1500.00} on XXXX XXXX, XXXX not asking me or telling me how much they were charging. No XXXX hour free consultation after I was told on the phone I would receive XXXX hour free consult. XXXX XXXX, XXXX I shared with Attorney XXXX an hour of issues, gave him about XXXX pages of pertinent documents and also photos. XXXX NEVER took XXXX note. That was a red flag right then and there. When asked for certain documents he was struggling through all paperwork, I had to find what was needed. He did not represent me what so ever, he was never prepared, attached please find XXXX letters I wrote to Attorney XXXX with my complaints and requesting a refund to my credit card. XXXX told me that there should be no problem with this case, he did not know what he was doing, I want my money refunded, XXXX did absolutely nothing to help me. I wrote XXXX XXXX Complaint Letters ( see attached ). A hearing was set for XXXX, XXXX, I was in the hospital and could not attend the hearing. I requested XXXX to postpone the hearing. He told me he could not, the truth is he did not even try. Attached please find XXXX letters of complaint that I sent XXXX telling him all the above, and that I want my money refunded. Even the Credit Card company called him and nothing. I want my money refunded, I had to hire another attorney to represent me, the trial continues to go on, I had to pay Attorney XXXX XXXX, {$500.00} so far, we have been in hearings for 3 full days and another is scheduled for XXXX XXXX, XXXX, I need my money from XXXX to pay XXXX XXXX, XXXX, XXXX can be reached at XXXX. Attached please find a copy of XXXX 's {$500.00} retainer. I wrote to Chase Bank and sent them all XXXX letters, copy of check written to XXXX XXXX, XXXX, THEY WILL NOT REFUND MY MONEY. I NEED MY MONEY CREDITED/REFUNDED FROM CHASE BANK TO PAY XXXX XXXX. PLEASE HELP ME. I had to hire an other attorney that would actually represent me, I need my money refunded from Chase Bank it is on my Chase Bank Slate Credit Card.
I have a loan with Sallie Mae and I went XXXX XXXX, wisconsin. I have a high payment and was hoping to lower or defer my payment due to going on maternity leave because I will have no income during that time. Sallie Mae was no help to me they want me to pay to defer the loan even while it will still be gaining interest and they do not even offer a loan extension to help lower payments. So altogether I can not temporarily stop payments or try to lower my payments in any way.