WillisBack/dataset-financial-user-claim huggingface dataset:
I have been making payments for many years on my student loans to a company called XXXX. Then, last fall they sold my loans to Navient. At that time I owed approximately {$12000.00} - which XXXX records will prove. Now, when Navient displayed my balance with them, they claimed I owed over {$13000.00}. I was n't sure about the discrepancy, but while looking into it I made two separate {$1000.00} payments - I am working hard to be debt free. However, since then my balance has not gone down at all. I have sent them numerous messages to figure out the problem, but instead of being honest and crediting my account and adjusting the balance to what it should be, they are now claiming I owe almost {$15000.00}. They are clearly acting nefariously and have left me in a lurch - if I pay them I will be robbed of thousands, but if I do n't they will ruin my credit and keep charging interest. They are thieves and I do not want to deal with them. Please help me. I 've worked so hard over the last 5 years to get this debt out of my life and its meaningless now if they 're just going to steal from me and use these tactics to keep me from my goal. Anything you could do to help would be appreciated. Thank you for taking time to read this. I look forward to your response.
False repossession and delinquent accounts plus a whole bunch of credit inquiries on my XXXX, transunion and XXXX which are not mine. I've been wasting alot of my valuable time just on the phone and disputing
I paid off the loan back in XX/XX/XXXX. recently popped back on my credit about two years ago and theyre stating I owe the loan I paid off back in XX/XX/XXXX and then not take it off my credit. It is greatly affecting my credit score.
Both Capital one and XXXX XXXX XXXX were both actively collecting on the same two duplicate accounts ( they all have different amounts owed listed ) at the same time. I have asked XXXX XXXX for proof of the debt/ownership and have yet to receive it, yet they still have had time to send me threatening mail and call me continuously. On my XXXX  account, it shows that Capital One, only recently, closed the account on XX/XX/2019, with a pay status of " Current or Paid as Agreed ''. Despite this, XXXX XXXX has been actively harassing me with phone calls multiple times a day ( every day, including weekends ), that start at XXXX XXXX and go throughout my time at work. They have even sent various letters that threaten to sue me ( to various unverified addresses ) with one being delivered to my old address and signed by somebody else, with no intent to do so. A lot of the times I felt that they have even misinterpreted themselves as legal counsel. I have attached their most recent letter, that I've received, which is threatening legal action, as well as what both creditors have reported to XXXX. The only reason that I have not tried to resolve this issue with them directly is because I feel that this company is untrustworthy, from what I've experienced so far and would appreciate the help of a third party.
I have a student loan from attending the XXXX XXXX of beauty. My loan was apparently sold to Transworld Systems Inc . I agreed a year ago to a repayment plan and they said after XXXX consecutive months it would come out of default status and be ready to return finance. Than I get a letter say my account non compliant I call and they are rude and say they sent me email etc to read sign up I make XXXX payments on the phone than I realize it 's a scam they add thousands of fees and you never come out of default. My account # with them XXXX their number is XXXX please help me they are lying crooks.
I did not authorize the following inquires on my credit report, they do not belong to me. I disputed this with Transunion and have not heard back from them.
Federal law requires the following Within five days of contacting you, a debt collector must send you this written notice with the amount of money you owe and the name of the creditor. This notice also must explain what actions to take if you believe you do not owe money. 

While Convergent claims they do not buy debt and that they are only doing so on the clients behalf they still have to obide by credit collection guidelines. They are still Required to verify debt and provide mailing showing amount owed. 
Convergent is attempting to collect on a debt that was disputed with XXXX in the amount of XXXX . This XXXX $ was a cut off fee for services that were not used or explained. Information on the debt was sent to company and no response was received. This has to occur within 30 days. 
A written cease and desist was provided to the company on the basis of inaccurate debt reporting and failure to follow federal guidelines. 

Violation of privacy laws occurred by there own admission on their website " Certain information may be collected from you automatically when you access and use the Site. For example, we and third parties may use Tracking Technologies ( defined below ) to collect Usage Information ( defined below ) based on your Device Identifier ( defined below ) for a variety of purposes, which may include activities over time and across third party locations. " The Fair Credit Reporting Act, 15 U.S.C. 1681 ( FCRA ) is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.
XXXX BANK XXXX {$140.00} {$200.00} 71 % Revolving Negative XXXX XXXX, XXXX CHASE AUTO XXXX {$12000.00} - - Installment Negative XXXX XXXX, XXXX CHASE CARD XXXX {$940.00} {$700.00} 135 % Revolving Negative XXXX XXXX, XXXX CHASE CARD XXXX {$940.00} {$700.00} 134 % Revolving Negative XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} {$400.00} 0 % Revolving Negative XXXX XXXX, XXXX
I have called the bureau of XXXX XXXX five times asking them to remove a account I did n't own. They agreed, it 's not my account. And after 60 days it still has not been removed from credit my XXXX XXXX profile.
We did a tier 2 modification about 3 yrs ago now due to becoming XXXX and my wife changing jobs a payment of XXXX. is way more than our income, after 4 months of doing paperwork and sending every document they wanted they said the lender would not approve a modification, in the tier 2 modification they did not forgive money as they stated but put it on the end of the mortgage so my statement shows I owe XXXX and the payoff is XXXX. My home is only worth XXXX. I would like to be able to have an affordable payment, and my payoff at what the house is worth.
Sometime last year a collection account was placed on my consumer reports by this company called XXXX who claimed they were collecting on behalf of XXXX XXXX XXXX. I had no knowledge of owing any debt so I contacted the original creditor who in turn advised me to dispute the account with the credit bureaus. The account was removed. 

Now there is another collection agency trying to collect on the same alledge debt. I contacted the original creditor again and I was advised to dispute with the credit bureaus as well as file a complaint. I was also informed that they have been getting a lot of calls about this particular collection agency. The collection agency is Phoenix Financial Services. This company is using illegal tactics to try and collect on debts that they clearly do not own.
First, when I called Maverick Finance in XXXX Idaho, to make a payment they refused it stating it was n't enough money. Second, After calling me several times a day for weeks I asked them to quit calling and harassing me on 3 separate occasions. Thirdly, they have started coming to my home, yelling at me and demeaning me and demanding money that I do not have. They repeated that any money I could offer was not enough for them. They are bullying me and trying to intimidate me at my home. In my opinion them refusing payment means they do not want my money, they just want to abuse and bully me. I am now scared to answer my door, and my kids going outside for the fear that they might harass my children.
Please see attached. 

I was first contacted in relation to an alleged debt owed for medical services by  a collection agency named First Federal Credit Control , Inc. on XX/XX/XXXX After disputing the validity and requesting validation of the alleged debt, First Federal Credit Control , Inc. provided me an incomplete invoice. ( two pages of a 32 page document i.e Page 1 and Page 3 ). During the period I had disputed the validity of the Debt, First Federal Credit Control , Inc. published a derogatory collection account on my credit report. Thus causing my credit score to drop. I sent a 2nd request to the collection company indicating that they had violated my rights under the Fair Debt Collection Practices Act, and demanded the the negative report to my credit report be removed and that they provide me with the account validation I had originally requested. To date, I have received nothing and the derogatory remark remains on my credit report. 

Then onXX/XX/XXXX, I receive a NEW collection letter dated XX/XX/XXXXfrom what appears to be a second attempt at collecting this alleged debt, this time from an attorney acting as a debt collector. 

I am being harassed for payment of a medical bill that neither the doctor 's office can not validate, nor the original collection agency, because the bill was paid by my two ( 2 ) medical insurance providers previously.
A collection company by the name of Diversified Consultants , Inc., claims that I owe XXXX on XXXX bill. When I got their letter of collection, I 've sent a reply with a dispute letter via USPS with certified/ signature required. I asked them to validate the debit, but what they sent me was a single page statement that is not sufficient to validate this debit. They even reported the debit of collection on my credit reports to all reporting agencies- they completely ignored what I 've asked from them.
There are addresses on my credit report that I have never lived at. The only address that should be on my credit report is XXXX XXXX XXXX. The other address are not mine and wonder how did they get there. XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX-XXXX,XXXX XXXX XXXX XXXX , GA XXXX-XXXX.
I mail payments to my local First National Bank branch to pay my HELOC second mortgage. In both XXXX and XXXX the check cleared but the payment did not appear on my statement. I caught the mistake reviewing my statement and called the branch. They told me that the payment had been misapplied and the problem has been fixed. 

This happened a total of four times in 2016. 

I 've had to go through the process of notifying the branch of their mistake each time.
I submitted a form for auto payments during the first months of my auto loan. I sent the first payment because it states to make payments until the auto pay begins I thought my auto payments because on their Bank of America it did n't show a payment was due.     I was never notified that I had missed a payment.     They state that they tried to contact me but I have no voicemails or email notifications that told me my payment had not been made.     I believe this is unfair because on their website they have payment alerts that tell me when a payment is due. Apparently it only shows when credit card payments are due not auto loans. No where does it state that. I was under the impression that if a payment was due it would show an alert. it did n't.     They told me that have time stamps of me logging in before the 30 day late payment.     I have and had enough money in my account to have covered that payment.
Wallet containing debit card and telephone was stolen from a hotel room while on vacation on XX/XX/2016. Theft was reported to the banking institution on XX/XX/2016. Banking institution initially refunded the charges, I provided all information requested to fraud department. Banking institution was informed my PIN number was not written down anywhere or contained in my IPhone. Banking institution then informed they were reversing all credited charges on XX/XX/2016.
Complaint against HSBC, NA Good morning, an Assign and Release Form between the POAs and HSBC, HSBC is to wire in the amount of {$8200.00} to mothers account which funds were fraudulently taken. When this agreement was drawn up we didnt return it right away due to taking care of mom, and finally getting her to sign the agreement which was no easy task. HSBC did not include a date for which this document was to be returned. As recently as XX/XX/2017, HSBC has requested the swift # to wire the funds again. Request from XXXX XXXX via e-mail to myself and communication with the other POA. 

We are seeking funds be credited to mothers account as stated in the agreement. We have made financial decisions contingent on these funds being sent to mother to cover expenses she is incurring at her senior facility. Every time one of us contacts HSBC, they claim the swift # was not supplied. It has been supplied. My last communication to XXXX XXXX, she was to check that the swift number was correct. It does not take weeks, days or months to verify swift numbers. 
Thank you for your time.
I was a victim of a predatory loan and actually still am. I have tried to get Bank of America to modifiy my loan since XXXX on only wanted them to reduce my 2nd Loan that is a 9 % interest rate to current market or the same as my 1st loan which is a 3.5 %. I tried 3 times and every time Bank of America would say they could not help because the 2nd loan was from another bank and they have to follow strict guidelines and if the 2nd loan was with Bank of America they would be able to help. On XXXX XXXX I received notification that Bank of America was going to be taking over my 2nd loan which was great news because now Bank of America can finally help me. When attempting to get a refinance or modification they game another excuse. I had no choice but to file a small claims lawsuit against Bank of America, while in court the Judge was in my favor in poor practice however the reason the Judge dismissed my case without prejudice. Is because Bank of America representative expressed that my modification process was still active and not closed. I informed the Judge that was not the case however I had no evidence to prove that. I called Bank of America modification department and received confirmation that my modification was closed on XXXX XXXX, XXXX and which showed that Bank of America lied in court. I will be re filling again my lawsuit against Bank of America with evidence and proof of there lying
Vehicle was purchased through loan by Credit Acceptance Corporation, the vehicle stopped working 45 days after the loan and the Extended Warranty was not honored by dealer, warranty company or dealership.
To Whom It May Concern : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX SOC SEC # XXXX DOB XX/XX/XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 
Those item include XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX Your company have violated the provisions of section 605B, 623 ( a ) ( 6 ), or 615 ( f ), You have no proofs to offer to support a dispute, and thus your assertion in the form of a policy report is being used to obtain blockage, not contest the accuracy of its reporting Stating that I have hire a credit repair company have no merit respond to my issue it is sad that your company will try to used way not to fallow the law keep in mind every information stated here will be latter requested if a lawsuit is filled against your company please govern by the law as to my issue you have no reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) XXXX has reason to determine that you obtained possession of goods You have no way to ascertain the legitimacy of my action without investigating the items in question Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX  system that doesnt even contain my reasons for the dispute is not reasonable.Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible stating that I have hire a credit repair company to resolve my issue is an insult Thank you. 
XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX SOC SEC # XXXX DOB XX/XX/XXXX
I have been disputing an unconfirmed, unverified and dismissed bankruptcy with the Credit bureaus ( XXXX, XXXX, Experian ) since XX/XX/2018. On XX/XX/2018 I froze my XXXX XXXX   yet the bureaus say they verified through XXXX XXXX  and NC court systems. This is not true I have called and wrote correspondence to the NC Bankruptcy courts and they have notified me ( SEE ATTACHED LETTER FROM NC BANKRUPTCY COURT ) they do not report to anyone regarding bankruptcies nor do they verify. I sent the exact letter the NC bank systems sent me stating they do not verify and asked to the bureaus to delete immediately. XXXX  has deleted this bankruptcy off twice but added it back on with days of deletion and did not notify within 5days as they are supposed to by law under the FCRA, this itself is another violation within itself. Any assistance in this matter would be greatly appreciated. This unconfirmed, unverified and dismissed bankruptcy has stopped me from obtaining credit and buy the house my family deserves, I am a two time XXXX XXXX veteran that have sacrificed my life and family to serve my country and I find it is disturbing my quality of life is tremendously affected by others in control of my credit who will not take the time to actually READ AND VERIFY or delete this from my report instead of a scanner. 

PLEASE SEE ATTACHED ; 1. XXXX FREEZE 2. LETTERS TO EXPERIAN , XXXX  , XXXX 3. RECIEPTS FOR CERTIFIED MAIL PROOF LETTERS WERE SENT 4. LETTER FROM NC BANKRUPTCY COURT  STATING THEY DO NOT VERIFY 5. LETTERS FROM ALL 3 BUREAUS STATING IT WAS SUPPOSEDLY CONFIRMED
Requested from the credit agencies to verify the validity of the below account currently reporting as a collection. I have contacted the company directly by mail and by phone and was told they will not provide any other proof. The requested help again from the agencies I'm disputing their practices with and they will not allow another dispute stating they verified it and yet I never received any correspondence. 

I attempted to contact the company directly again and was told they will not accept any payments or anything on the debt. I tried so they would remove from my report I offered to pay to delete and was told it was not their problem. I explained under the Fair credit reporting act and the FTC their reporting is not being handled correctly or morally. I was hung up on and do not receive any validation on this debt. 
I am requiring the agencies reporting to remove this account from my reports and to process with regulations on how to fairly report. 

Account to remove XXXX XXXX XXXX  Account Number XXXX Account Type Credit card Date Opened XX/XX/XXXX Status Account charged off. {$420.00} written off. {$380.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$380.00} Credit Limit {$300.00}
Creditor is trying to take me to court for a debt, which was discharged in bankruptcy. Creditor was notified by my bankruptcy attorney of the bankruptcy.
After receiving an uncertified letter in the mail from Legal Recovery Law Offices , Inc. stating that they would be suing for an old debt on behalf of XXXX XXXX XXXX ; My employer received documents for a wage garnishment. I then made contact with Legal Recovery Law Offices Inc. to reach an agreement on a payment plan. They accepted and a " good faith '' payment was made that day ( XXXX XXXX, 2015 ) in the amount of {$240.00} via my debt card. Following this payment I was sent documents for the payment plan that was agreed to. It was a three year plan with payments of {$240.00} per month. I was to fill in the date for each automatic payment to be withdrawn from my account. They printed my entire debt card number and cvc number on this document. Once I filled in the dates and signed it, I sent it back to their address at XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX. A few months later I realized that a payment had not been taken out. At this point my wife called to verify what was going on as our entire bank account information was on this document. They claimed they never received it. Several times after this I tried to fax them the information and not once did the fax go through. Last week I made phone contact with them again to resolve the issue and was informed on recorded phone call that the fax number had been out of order for over a year. This is the number still listed on documents sent by the company. At this time they informed me that since payment had not ben received, they were taking action again via wage garnishment. Over the last week my wife and I have made every effort to find a solution with this company and have had no success.
I recently received a letter in the mail stating that my business checking account ending in XXXX & XXXX and savings account ending in XXXX will be frozen within 80 days and closed within 95 days. Upon calling the bank and XXXX for bank of america i got no explanation on why my account is being closed.
On XX/XX/2016 I was going to settlement on a beach property. My daughter and son work in XXXX and this would be my wifes XXXX summer there. Suntrust XXXX XXXX at XXXX we went to XXXX XXXX And XXXX XXXX was third party to over see signing. XXXX. XXXX told my wife an I we would not be going to settlement. XXXX said she did not have a disclosure from sale of my condo, taxes were not pre paid approx XXXX, and we owed XXXX XXXX XXXX and XXXX XXXX from were XXXX funds were coming from. After XXXX hours of calling XXXX XXXX in the Suntrust XXXX office she told me right away she was calling her legal dept. At Approx XXXX XXXX her boss and XXXX in XXXX Va did a XXXX way conference call. XXXX XXXX XXXX explained it was a problem. I needed XXXX approx in XXXX cashiers checks to close that no one told me about. Went I brought up the word Attorney Suntrust Bank XXXX XXXX and her boss hung up. XXXX at XXXX said XXXX XXXX I know who you are and Suntrust did you wrong. XXXX XXXX at XXXX XXXX said I have never seen anything like that. I then reached out to XXXX XXXX at Suntrust who offered me XXXX to close this issue. XXXX XXXX of the Suntrust resolution team offered me a XXXX in writing to drop it. I am out XXXX and XXXX at XXXX dropped her loan fees saying this was wrong. XXXX XXXX at Suntrust told myself and XXXX XXXX my partner they were wrong. XXXX XXXX phone XXXX. Also XXXX XXXX was my loan processor at Suntrust and on Tuesday at XXXX. she said she would have XXXX XXXX call me which never happened. This was the Tuesday prior to the Friday XX/XX/2016 settlement date. I found out later about the 72 hour no changes to loan law. Suntrust played me like a fiddle. 
I need your help XXXX XXXX XXXX Suntrust offered me XXXX then XXXX to settle after this incident. They said I was approved to {$200000.00} and XXXX XXXX told me the settlement would be adjusted.
I 'VE HAD CALLED TRANSUNION ABOUT MUTIPLE INQUIRIES ON REPORT SEND THEM POLICE REPORT ABOUT IDENTITY NOTHING HAS HAPPENED CALLED ALWAYS GIVEN ME THE RUN AROUND ITS BEEN 45 DAYS NO RESULTS