WillisBack/dataset-financial-user-claim huggingface dataset:
I took a loan from " Green Trust Cash '' for {$350.00}. The monies were credited to my bank account on XX/XX/2016. 
To date, I have paid a total of {$370.00} and per Green Trust Cash customer service, I have an outstanding balance of {$320.00}. 
I have since realized that online/payday/tribal loans are illegal in the State of PA where I reside. And, any lender can not charge more than 6 % interest. 
On this loan, that would be the Principal : {$350.00} plus 6 % interest : {$21.00} Based on PA law, I have overpaid by {$4.00}.
I am a XXXX XXXX XXXX. I was researching at my bank to finance a new car. When they pulled up Experian and XXXX in their system ( they do n't have access to XXXX ), both reports were completely blank except for my personal ID information. ( I am currently paying for a car and have other financial data under my identity. ) Back at home, I tried to log into my Experian account and could not get access to it. Their system kept going around in circles about me updating my password ; then would not accept the new password. Upon calling Experian, they kept referring me to OPM ( United States Office of Personnel Management ) and their XXXX Identity Monitoring Portal, both of whom had no authority over accessing Experian 's online site. On the third call Experian said my account has been closed since 2013!???? When I logged into my XXXX account to see what they showed, the only bureau to show up was XXXX! I had always had access to all XXXX bureaus in the past and have printed out all XXXX credit reports from their site. The XXXX problem bureaus also not showing on my XXXX account has made me very nervous about my ID/financial security. What can I do?
In XX/XX/2017 I took out a car lease with XXXX XXXX at the time I paid for the first two months, I did inform them that the bills need to be sent to my XXXX XXXX . They failed to send the statements to the address they were told to. So I never knew a payment was due. My first indication of something being amiss is when I got a phone call to inform me of the past due balance. At that point I paid the past due balance and reiterated were the statements need to be mailed to. 
VIN # XXXX
Equifax Information Services LLC, a credit reporting company, has not provided any proof or documentation that they conducted a real investigation on the items that I disputed with them on several occasions. Equifax has claimed that they have verified fraudulent with creditors that they have never contacted.
Credit Bureau is in violation of FDCPA, FCRA and also Metro2 compliance. The account in question is over 10 years old.
I was never contacted about this debt. I 've had a decent credit score for the past couple of years, and all of a sudden this {$15.00} debt pops up out of nowhere? It says that it 's from 2012! That 's 4 years ago, and I 'm JUST NOW hearing about it. It 's gashed my credit score and I want it removed and my credit score reversed back to how it was. I would GLADLY have paid {$15.00} if I knew about it! I was never contacted about any {$15.00} debt, and it 's from 4 years ago! My credit score should not be this low because of some tiny debt that I had no clue about!
Over the past 6 months or more, I received on some occasions almost daily calls, sometimes even multiple times a day. They are all from different numbers and none of them leave a message. At one point my mother was called and when she answered the phone they asked for me by name. I am in no way connected to my mother 's phone number and her name is not connected in any way to any debt I owe. After this I called the number she sent me and was not told who they were until I provided personal information. I asked if I could check them out before I gave any personal information and how they gained my mothers contact information. They refused to give me an answer. I eventually XXXX the number and found out that the company was portfolio recovery and there were many others who complained about similar tactics being used. They continue to call using different phone numbers and never leave a message identifying themselves.
I have submitted several complaints to all three credit bureaus, the CFPB, the BBB of Michigan and the original creditor in regards to an ongoing dispute. Please see complaint below : I originally purchased a vehicle for a 12-month lease on XXXX. Once the 12-month lease was up, I had the option to either turn the vehicle in and they will bill me the disposition fee or take it out of my original down payment of {$900.00}, or if I still needed the vehicle, I would have to put down another down payment for an additional 12 months. I opted to return the vehicle, which I was informed by the account rep that I had until XXXX to return the car without any additional fees being added. The account rep also informed me that if there was any damage or additional fees XXXX disposition fee ) that it would be taken out of my initial down payment or I would be billed for whatever amount remained. 
When I returned the vehicle on or about XXXX ( I had purchased another vehicle several days prior ) I was also informed at the dealership upon returning, that if there were any additional fees that were not covered by my initial down payment that I would be billed. 
1 year later, I checked my credit report and the finance company,  XXXX XXXX XXXX has recorded a charge off amount of XXXX XXXXwith a monthly payment of {$78.00} on my on all three credit files ( XXXX , XXXX , XXXX ). 
My agreement was for 12 months with the option to lease again at the end of my 12 months and a monthly payment of {$150.00}. As of XXXX/XXXX/XXXX, this company was paid a total of {$7000.00} from XXXX to XXXX. This vehicle was returned on time with no additional monies owed. In addition, per the lease agreement ( see attached ), the total payments paid at the end of the lease was to be {$4800.00}. Therefore, this lease agreement has been paid in full per the documentation provided. 
Furthermore, I contacted the company in XXXX XXXX to ask for my credit report to be adjusted from the amount owed/charged off amount of {$6300.00} to be corrected. The account manager then informed me that the amount that is seen is what was financed and not owed. At this point the finance company is refusing to correct their issue. I am requesting VALIDATION of this account. This means that the creditor is to send me a complete payment history to show that a payment is actually owed. 
I have sent complaints to all three credit bureaus, the Consumer Financial Protection Bureau, and the creditor with on success. Please look into this matter and verify the account as being falsely reported. 

In addition, I have only received handwritten/typed account information stating what is owed. This is not proper VALIDATION, as this information can be from any one of their current or previous customer 's information. XXXX XXXX as also sent back dated emails with previous amount owed. See all attached documents. 
Thanks, XXXX XXXX XXXX
i have been geeting several calls from them all day everyday i even tried contacting them about it. i recently disputed XXXX with another debt collector because the bill was never as high as it is now i only owed {$1000.00} now its almost {$5000.00}. i refused to pay that much. XXXX XXXX XXXX  disputed it for me because i told them how bad service was about all the payments i tried to do and how XXXX also told me i wouldnt have any early termination fees because my contract was about to be over and just leave the lines suspended because they werent in use but now its a whole other story i tried telling people that at mbw and they gave me a line of XXXX. i also told them another debt collector was trying to collect from me at the same so they said they were gon na dispute it and never did now theyre saying its to late to dispute it.
Account : REGIONAL ACCEPTANCE CORP shows past due 30 days on XXXX, XXXX AND XXXX credit report. Account is closed and paid. As they have accepted last payment and account is in agreement. Never late.
I paid in full my balance to Stallings Financial on XX/XX/2017. I received aletter with a XXXX balance form the company. The company is reporting to XXXX that this is an unpaid collection. XXXX has attempted to verify the status of this account 5 times and Stalkings is continuously verifying it as an unpaid debt. Attached is the XXXX balance letter, a copy of my bank statement showing when I Paid. I contacted Stallings and they said there is nithng they can do when I asked them to submit the account as paid to XXXX.
I paid all of my credit cards off in XXXX. I missed the change on my loan with Springleaf and paid {$860.00} of the {$860.00} balance. In XXXX, I received a bill for {$14.00} which I assumed was residual interest and paid that in full immediately. I 've now received a XXXX statement for {$0.00} to which they only replied they " believe '' that will close out my balance. I believe I have been charged interest on the interest balance. I did n't experience 2 months of residual payments with any other credit cards I paid off on the same day. 

If somehow correct ( which I ca n't imagine having to pay {$0.00} on a {$0.00} balance ), they are a ) using a financial calculation unique to them and b ) not clear in their disclosure of this practice. 

The agent with whom I spoke offered to write the {$0.00} balance off as " settled for less than owed '' which I refused of course. 

Thank you
Started process on  XXXX / XXXX /  XXXX  .   Denied HELOC renewal. Self employed  XXXX .    Credit Score  :  XXXX  -  XXXX  percentile, {$850000.00} in The liquid assets. Balance on HELOC {$52000.00}.  Home Value  : {$220000.00}. Second home value {$160000.00}, equity {$100000.00}.   All bills paid by occupant, land contract in place.   Implied I file false tax returns and mortgage application.   " We can not verify where your business deposits come from. '' " What would I do if the IRS audited my tax returns. '' These quotes were made by  XXXX   XXXX . Refused to let me talk to underwriting. Complained to the office of  XXXX   XXXX . She refused to look into my complaint
Bank of America cancelled my debit card without me receiving the replacement. It took over a month to receive my card after repeatedly trying to grt a hold of them and ask where my debit card was. After speaking to XXXX XXXX he informed me I would receive it and the PIN wouldn't change. After I received it by the end of XXXX I wouldn't even use it because they had indeed changed the pin. This caused me to be late on all my bills from cell phone to rent. Today I am living in a home without heat because of Bank Of America not letting me access my funds. I rely on my debit card to withdraw British pounds and deposit them in nt British bank account. I'm XXXX XXXX XXXX and I'm stationed in the XXXX at XXXX XXXX.
I respectfully requested that your office provided me with competent evidence that I have any legal obligation to pay you ( Bank of America ) regarding account # XXXX. This was NOT a request for verification or proof of my mailing address, statements of the alleged account, or summary of when the alleged account was open, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. Now, I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus XXXX XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.
I submitted a complaint on XX/XX/XXXX case number ( XXXX ) in which Banco Popular answered to XXXX CFPB saying that they tried to reach me on several ocasions which is a lie. I called like they instructed me before XX/XX/XXXX in which XXXX XXXX XXXX who is encharge of my loss mitigation process told me to wait for his call that we were going to be signing the documents at the begining of XXXX. Banco Popular has never contacted me. I was contacted by XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX to be exact in concern with the loan modification papers because she is the loan officer from XXXX and havent received the loan modification papers. Now the Court wants to remove me and my family from my house. I want CFPB to not accept any explanation from Banco Popular. Get from Banco Popular The name of the Manger of the bank and tell CFPB a date when I am suppose to be at the Banco Popular. For me to get a contact number in CFPB for that same date for me to call. Banco Popular hasnt allow me to keep on making my monthly payments.
Real Time Solutions continues to report 120 days late on a my credit report even though this account is closed by the original lender, been charged off, and sold. This is for a HELOC that was originally taken with XXXX XXXX XXXX in XX/XX/XXXX for {$60000.00}. The last payment on this account was XX/XX/XXXX. 

In XX/XX/XXXX the account was closed by XXXX XXXX XXXX and Real Time Solutions purchased the debt in XX/XX/XXXX. Since XX/XX/XXXX, Real Time Solutions has continued to list the account as open and report 120 days late every month since that time. This incorrect reporting on a closed account continues to damage my credit. 

In XX/XX/XXXX, I submitted an online dispute through the XXXX website, stating that this account should have been closed and is incorrectly reporting late payment history every month. The results from the dispute now shows the account is closed, but payment history continues to show 120 days late and payment status showing past due 180 days. 

According to the XXXX website the past due amount is {$53000.00} with a balance of {$72000.00}. The balance appears to grow each month as interest continues to accumulate, on a closed account. As this account has been dormant for quite some time, the correct balance is unknown to me due to interest on top of interest and erroneous fees added on by Real Time Resolutions.
In XX/XX/XXXX, I requested a copy of my credit report be sent out by XXXX. I started going thru it and immediately found a problem : XXXX, XXXX XXXX XXXX XXXX XXXX, IL. XXXX XXXX Partial Account Number : **** Original Creditor : XXXX XXXX Status : Collection account. {$210.00} past due as of XX/XX/XXXX Now, this is from when I lived at XXXX XXXX XXXX, in XXXX XXXX, back in XXXX. It was for high-speed internet service. I phoned in and canceled the service, before relocating from XXXX XXXX to the XXXX XXXX, around XX/XX/XXXX. The person that I spoke with asked about whether or not I would be starting the service up, again, in my new location, and I said that it should just be terminated as I was not sure where I would be living and if XXXX XXXX  would even be available, where I eventually settled. 

I have spent most of the past three years in XXXX, XXXX. 

I phoned XXXX, on XX/XX/XXXX, to dispute the claim. I related the story to them, via their system. 

Later on XX/XX/XXXX, I logged in to find that the collection item had been deleted. 

In XXXX, though, it showed up, again : this time, associated with an " XXXX XXXX XXXX ''. 

XX/XX/XXXX Update : I phoned TransUnion ( at XXXX ), today, to go over the whole sad, sorry case. Thru the person that I spoke with, I filed another dispute ... Confirmation ( transUnion case ) Number :  XXXX. 

XX/XX/XXXX update : I found that the collection item was still showing on my credit report, a few days ago. So, I phoned TransUnion, again. The rep said that there was a XX/XX/XXXX, expected response date. He said, also, that a statement of the results of my XX/XX/XXXX dispute had been mailed to me, at the XXXX address. I wasn't there to receive it, but since this item is still showing on my credit report, it seems that the dispute went nowhere. 

XXXX dropped the item, but TransUnion is failing to do so. 

On XX/XX/XXXX, I lodge a complaint against XXXX XXXX XXXX with the XXXX  ... 


Thank you for using the XXXX XXXX XXXX XXXX Online Complaint System. 
Your complaint has been assigned case # XXXX. 
Correspondence regarding this complaint will be emailed to : <email address removed> Please print a copy of this for your records. 

Filed on : XX/XX/XXXX Filed by : XXXX XXXX <postal address removed> Filed against : XXXX XXXX XXXX
XXXX calls repeatedly from early morning to late evening. I simply hang up now. I now send only a low basic amount since them continue to call.
Several times a day, I receive calls from an Unknown number. Each time, the caller leaves a different message but provides the same phone number. Im guessing that the calls are from XXXX XXXX. I informed them several months ago that I am in the process of consolidating my debts due to health issues keeping me from working. Ive asked that they stop calling me multiple times a day. The last voicemail message received, the woman said that she was an agent and that my case was placed on her desk to take legal action against me. That if I didnt call back immediately they would be handling my affairs for me. They did not inform me of which company or an account number. Just threatened me. You could hear it in the tone of voice.
I was forced to use private loans to pay for college in XX/XX/2004 with XXXX XXXX XXXX. The loans were sold to Transworld. I have defaulted on the loans and I, along with my father who co-signed, am now being sued by XXXX. They have harassed me over the last couple of years, threats to my father and myself to take our property. We have received robo calls non-stop which even continued since the court papers were issued. XXXX had several cases against me, 4 of which have been dismissed due to their failure to appear in court. The 5th case is due in court this month after being continued several times at the request of their attorney. I'm trying to research the complaints against XXXX because I believe I am a victim of false documentation and falsified affidavits along with being sued past the NC Statute of Limitations. According to their paperwork, my last loan payment was in XX/XX/2009 and XX/XX/2011, court papers were filed in XX/XX/2015.
I have tried several times on my account in order to be able to repay some money to another person. It was not possible, any credit card ( even prepaid ) I put them did not verify it. They blocked an account without even giving me the chance to give back the money to the buyer. It's XXXX dollars.
Lexus nexus, aka XXXX has provided false information to my autp insurance policy. Its information has tripled my insurance policy amount. I can not talk to a live agent to resolve this issue.
I opened amex gold credit card on XX/XX/XXXX when I saw they offering XXXX welcome bonus with XXXX purchase within first 3 months. After I spent more than XXXX using this card, I still didnt receive the reward. So I contacted them today, XX/XX/XXXX. they told me they canceled my welcome bonus and refused to give me a reason other than copying the terms, which none of them applys to me. I did not receive any form of notification about i am not going to receive the bonus. Therefore, I highly doubt whether they really want to reward their customers, or this is just a false advertising. I'm upside now because I have been their card member for years and now they are taking advantage of me and lying to me like this. I'm really disappointed with how they treat their customer and seeking helps from you. Thank you for any kind of help.
On two separate occasions Bank of America has tried calling to collect a Credit Card Payment for an individual that is known to my mother and I but we are not listed on this individuals Credit Card for any reason and on numbers they should not have access to. The first attempt to collect was made by cell phone to my number on Tuesday, XXXX XXXX, XXXX about XXXX XXXX and I told Bank of America that I had nothing to do what this individuals credit card account and to not contact me any further. Then on Tuesday, XXXX XXXX, XXXX Bank of America called my mother asking about this individual again and my mother who is a Senior told them nothing and hung up. Bank of America then called back later that day and left a message that they were calling from XXXX XXXX XXXX for the individual and left a name and phone number for them to be reached at. I called Bank of America Thursday, XXXX XXXX, XXXX at the number they left on my mothers answering machine and told them that my mother does not have any financial responsibility or ties to this individual and should not be harassed about this individuals credit card and why are they calling her number and how did they get her number as again she has no financial ties to this individual. I gave the Bank of America phone representative my mothers number after she asked me to look up the call in question and when she did she stated that she would remove the number from this individuals account as I told her what was being done was illegal and harassment and that they would be reported for doing so.
I was on an income driven payment plan and was un-aware that the plan had to be renewed and was not aware of the deadline of when to re-apply for one. It was also not made clear of what proper documentation was needed to prove my income. When I applied the first time I submitted a pay stub, when I had to re-apply, I sent the pay stub but did n't find out until after Ii got another bill, of which was too high to pay because the plan expired, that a pay stub was not an acceptable form to prove income. I was then told to send a copy of my tax return. It was n't until after that, they were able to put me back on the income driven payment plan, but by then I had already accumulated late fee 's because my payments were too high to pay.
Our income has decreased since buying the house and now we have been facing difficulty paying our mortgage. We have requested a loan modification from Chase several times and been denied. Our current interest rate is 8.5 %. We have 15 years left with a principle of {$38000.00}. Why wo n't the bank lower our interest rate?
This is the XXXX company that has done this. Both were collecting for XXXX. 
I answered the phone, said that I was myself and the caller asked me for my date of birth. She called me. Her caller ID did n't say Med-1, even if it did that 's no guarantee. I have no idea if Med-1 is legitimate, only that I get statements from them purporting to be collecting for XXXX. I get many collection contacts for XXXX, I have no way of knowing if any are legitimate. 
It is completely inappropriate for a debt collector to request my personal information and opens the door for multitudes of phishing scams if it is legal. I suspect this is not allowed but I am not sure. It should be illegal for a bona fide debt collector to request any of my personal information. 

The caller called at approximately XXXX Central time to my Louisiana number. Date XX/XX/2016. She called from XXXX saying they were from MED-1 Solutions. 
Thank you. 
XXXX
They reinserted information that was never verified. They did not notify me within the five day period. I have resubmitted a dispute.
M & T Bank did not notify me in writing of a delinquent mortgage or called which I was co-owner of. This end up on my credit report and I learned this by checking my credit scores.The original owner was my ex-wife which I was devorce for over 20 years. Now deceased. 

My question is, can I get this delinquency removed. from my account because they did not notify me. I assumed the mortgage and paid the outstanding payments and penalties. But my score went from XXXX to low XXXX. 

I called them 3 months ago after finding this on my free credit report.
Amerisave said after I explained my situation that I would have no trouble getting a mortgage with them, all I needed to do was pay for an appraisal. I did and was denied the loan, even though the appraisal came in as it should have. Avoid Amerisave at all cost, they are very fraudulent ....