WillisBack/dataset-financial-user-claim huggingface dataset:
1. Throughout the month of XX/XX/XXXX and XX/XX/XXXX, the company called me repeatedly without even identifying themselves. When asked for their identity, they stated that they were unable to provide me with any information because they were unable to confirm my identity and/or verify my account. It is to be noted that owing to their failure to answer my questions as to the authenticity of their multiple calls and/or company, I was apprehensive about sharing my personal information, especially my social security number. 

2. On XX/XX/XXXX I received a letter from XXXX XXXX XXXX ( FMS ) dated XX/XX/XXXX alleging that I owed their client {$7800.00}. This was my first official contact with this company as they had refused to talk to me because they could not verify my identity and did not disclose who they were. 

3. I responded to their letter dated XX/XX/XXXX by certified mail on XX/XX/XXXX. Therein, I disputed the debt, dismissed it in its entirety and requested verification. You will also notice that I specifically stated that their calls were being construed as harassment. 

4. Pursuant to the FDCPA, I sent in a DEBT VALIDATION AND/OR VERIFICATION REQUEST by CERTIFIED MAIL on XX/XX/XXXX which FMS received on XX/XX/XXXX at XXXX XXXX. Despite sending in this request FMS continued to call my phone repeatedly. FMS called me on XX/XX/XXXX at XXXX XXXX and on XX/XX/XXXX8 at XXXX XXXX from telephone number XXXX. The person I spoke with during those unlawful calls stated that her name was XXXX. XXXX demanded that I provided her with my SSN or part thereof and stated blatantly that WE WILL CONTINUE TO CALL YOUR NUMBER 5. FMS, by continuing to harass me by telephone, and by reporting the debt to the XXXX XXXX XXXX after they received my request for debt validation on XX/XX/XXXX at XXXX XXXX, have violated my rights under FDCPA. You will notice that FMS continued collection activities after they received my request for debt validation. They have also listed an unverified debt of {$7800.00} on my credit report. 

6. In light of the foregoing, FMS has sent an unverified debt to the credit bureaus in violation of Federal Law. With the help of the Consumer Financial Protection Bureau, I hereby request that FMS be investigated for their practices and all damaging information be deleted from my credit report.
PNC Bank frequently sends me letters soliciting me to apply for an unsecured installment loan. On XXXX XXXX, 2016, I did apply, by telephone. Two days later my application was declined. My complaint is that if this bank does not want to make me a loan, then do not bother me with their stupid solicitation letters. The marketing department of PNC Bank should only send letters out to those individual that they are prepared to give a loan.
In XX/XX/XXXX I became ill and went into the hospital and was going to be off of work for an extended period of time. I knew I would not be able to make my car payments so I volutarily surrendered my vehicle to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX. They were not happy but they accepted the vehicle, auctioned it off for far less that it was worth ( it was a XXXX XXXX XXXX ). They sold it for XXXX and applied that to my XXXX loan and left me with a XXXX balance on my credit report. when they realized I would not be working they wrote off the loan completely. Some time passed and I returned to work a couple of years later. In XX/XX/XXXX they had listed on my credit report that the amount I owed them was {$9900.00}, thirty days later in XX/XX/XXXX it increased to {$13000.00}. I have not had possesion of the vehicle since XX/XX/XXXX, how can they continually charge me for the vehicle? Also they list on my credit report that I " failed to make my payment '' each month for the past two years. How can they do that when they have written off the loan? As of XX/XX/XXXX I now owe them {$14000.00}! It's all on my credit report and it goes up every month. They have charge me over 50 % of the original figure of {$9900.00} in a matter of 12 months! I feel they are being vindictive because I defaulted on my loan and I would like this information purged from all of my credit reports and and additional reporting agencies like XXXX and thier affiliates. This is outragous and can't believe that this is even legal. I can be contacted at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX, XXXX, XXXX, DOB XX/XX/XXXX, SS # XXXX you have my permission to use my information and contact them to discuss this matter and try to resolve it.
XXXX continues to report inaccurate information on my account -items have been disputed, however, they continue to report and are causing me problems
On XX/XX/XXXX I faxed over a modification package and it was received. Representatives at SPS stated that they received the modification, but they did not open the file and that they would continue with the foreclosure process and foreclose on the house on XX/XX/XXXX. A letter was received on XX/XX/XXXX stating that they received my home retention paperwork and to discuss the option available to me. This paperwork was received the same day that my house was to foreclose on. I had to file bankruptcy to keep me home, which an representative stated that I should not file bankruptcy. I opened a case and submitted all paperwork. SPS was not accepting payments anytime during this process. They checked my credit and denial me a modification to keep my home. They sent paperwork for me to do a short sale or deed in lieu of. I am trying to workout a solution to keep my home, but they are not trying to work with me. SPS polices and practices, constitute discrimination against applicants with respect to credit transactions on the basis of race and/ or national origin in violation of the Equal Credit Opportunity Act, 15 U.S.C. 1691 ( a ) ( 1 ). SPS induced the foreclosure by failing to offer refinancing or a loan modification to XXXX on fair terms- which constitutes a particularly egregious form of redlining, given that XXXX sought a loan modification with respect to a bad loan that the bank previously made to him.
I entered into a lease contract with Chrysler Capital in  XX/XX/XXXX  I was unhappy with the vehicle and wanted to trade it in. I went to   XXXX   XXXX   and negotiated with the salesman for the purchase of a   XXXX   XXXX  . In one part of the negotiation he agreed to pay off the lease if I would put {$3000.00} down on the  XXXX . I advised him that I did not want to put {$3000.00} down on the  XXXX  because I was going to be purchasing a house soon. He came back with a deal where I did not have to put anything down on the  XXXX  but I would need to pay off my lease and they would give me {$1000.00}. I accepted the deal. He advised me to wait two weeks before calling to pay off the Chrysler. This would be after the 5 day " cooling off '' period that the dealership advertised.
When I called Chrysler Capital to end my lease they informed me that I would need to pay almost {$1000.00} in early termination fees and the vehicle would be sold at auction and I would be responsible for the negative equity. Of course, I declined and ended up with two vehicle payments and insurance fees.
In   XXXX   I entered opened escrow to purchase a house. Because I had two vehicles I was unable to qualify for a lower interest rate without having to buy down the rate. At the lender 's request, I paid off the balance on the lease. To improve my situation I attempted to trade in the Chrysler and the   XXXX   to   XXXX   XXXX   however they were unwilling to assist me.
Due to the salesman 's deceit I had to pay off my lease early yet can not turn in the vehicle early without incurring exorbitant fees, I had to pay {$7000.00} in closing costs for the mortgage because I could not qualify to add the fees to the mortgage because I had two vehicle on my credit. If the salesman had been honest with me I would either have negotiated a different deal for the  XXXX  or I would have walked away from it completely. His deceptive tactics have caused me irreparable financial hardship.
Improper use of Personal information : New American Funding ran my Credit report ( Hard inquiry ) on XX/XX/2018 without my consent.

I have not applied for any mortgage loan with this company, neither as Borrower or Co-borrower. I didn't sign any document or consent them to run my credit score at any time.

They improperly obtained my Social security number from a Joint tax return when my husband had inquired about a Pre-approval based on his name as Borrower solely ( my name was not on any application ).

The persons who are responsible for this incident include : XXXX XXXX XXXX XXXX XXXX XXXX  This action has damaged my credit score and made it harder for me to apply for Mortgage loan in the near future.

I've contacted the company regarding to this incident and haven't heard back.
I submitted a dispute with TransUnion concerning a couple collection accounts in XX/XX/2017. One was in XX/XX/XXXX and XX/XX/XXXX. One fraudulent account the company made the balance {$0.00} but left it negative. I have not been able to buy a house because of my credit score. TransUnions actions have left me with lasting damages ...

A. 1 account Was not mine B. 2 accounts were paid off, but still reporting as negative. Even though I had worked out a deal with the companies to pay off the collection amount and they would remove it from my reports. I also filed a dispute over the phone about the hits to my credit. The car dealership and XXXX XXXX pulled my credit for the same car. It should have only been 1 hit, not 2 hits.
Consumer Portfolio Services ( XXXX ) XXXX Calls me periodically and asks about if I know where some person I 've never even heard of is and what he 's doing. They are INCESSANT about calling me even after I 've told them I have no idea who that is and that I have no outstanding debt with anyone and I 'm on a do not call registry. I 've even filed a complaint with the XXXX against them in which they lied and said they never contacted me. That stopped them from calling and asking for a while ( about a year ) but recently they have been calling me again asking about this guy I have never even heard of. I block the numbers and they create new ones I guess. Just looking for an apology and assurance that they will stop harassing me.
I am a victim of identity theft and someone stole and used my personal information to open unauthorized and fraudulent accounts. I have been receiving harassing and threatening telephone calls and death threats in regards to unauthorized and fraudulent accounts and debts that do not belong to me. The following accounts listed on my Trans Union credit report are unauthorized and fraudulent : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX County District Court, XXXX County District Court, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. The following inquiries are unauthorized and fraudulent inquiries : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX XXXX and XXXX
I purchased XXXX months of medical insurance and it covered everything but a XXXX co-pays in XXXX 2014. This was was single coverage between XXXX jobs. Several months later I received a letter from collections for over {$300.00}. It appears the medical clinic lost the right information from my insurance and decided to bill me directly. The collections company is suggesting this is my fault even though I sent them proof of the coverage that and proof of payment for the coverage. I am not sure what I did to get this sort of harassment.
Our issue is that Specialized Loan Services not applying our Home mortgage payments in a time manner. They hold the payments for no reason. Here is a good example. Keep Your Home California help us approving {$49000.00} last year in XXXX XXXX. SLS received the {$49000.00} From KYHC in XXXX XXXX and they just applied to our account over a year later and after hundreds of calls to them and they finally applied the money with KYHC help. Also right now they are showing that we have n't send any payments since XXXX, XXXX. On XXXX XXXX, XXXX we submitted a bank statements to proof of payments for all these months and following with phone calls with out any response yet. as today our loan payment history it 's a mess and we do n't see a way of resolution. Here is some history on how the mess started. when Specilized Loan Services received the {$49000.00} from Keep Your Home California they applied to our loan account and sent a statement letter which explained the new do payment amount so we started to send the specified payment amount since then but they pulled the {$49000.00} from our account and when we questioned why that happened they argument ed that they still need the signed Agreement for Modification of a Mortgage Re-amortization Only. Which we signed and mailed to them at the binning of the process. I can remember how many times we signed the Agreement and re-sent it to them and we have records of proof of delivery for the document. i really believe that this is a fraud. We really need some professional assistance to solve this issue. Thank you.
The companies XXXX, XXXX and TransUnion are a private business that earns and makes a fortune from your most private belongs, your private information!!! 
You, your name, your details, your private life and your businesses are taken and transformed into the property of the XXXX, XXXX and TransUnion companies, and they sell your private and personal information or spread wrong information about you!!! 
XXXX, XXXX and TransUnion are private businesses that earns and makes millions at your expense and from your private assets Plus, they damages your identity, your good name and causes you financial damages! 
Do not let them! 
XXXX, XXXX and TransUnion are private business that follows you, stalk you and collect information about you They takes advantage of you and your private life! 
They get involved in your business and sells your personal information at any cost, even at the cost of mistaken information and damage to you and your family! 
XXXX, XXXX and TransUnion track and post information about you without permission or consent! 
Do not let them! 
Stop them!!! 
Request and demand to remove your name from their databases and don't let them spy, follow you and spread wrong information about you!
I have reached out multiple times to Fed Loans Servicing to resolve my issue and have been unable to resolve any. I am filing a compliant because my loans were transferred by Fed Loans Servicing to default when I was making payments. I paid almost {$12000.00} in XXXX, to lower the cost of my loans. I was paying on my loans when XXXX were transferred to default XXXX and sent to a third party. 
I consolidated all of my loans in XXXX, I assumed all of loans were consolidated until I received a phone call from a collection agency stating that Fed Loans Servicing had transferred XXXX of my loans to them do to non payment. I received a phone call from Fed Loans admitting their mistake on my account and stating they would erase any negative reporting on my account. There was no record of the phone call on my account to inform other fed loan employees of the mistake made by Fed Loans. 
In XXXX 2016 the XXXX loans were added back to my Fed Loan account but my credit has been falsely negatively reported because of Fed Loan Servicing making a mistake. 
I have spoken numerous supervisors and have sent certified mail with my payment history twice and clearly my loans should have never been in default or sent to a third party. This has been a very unprofessional handling of my loans. I am asking for help, I do not know what else I can possibly do to resolve my issues with Fed Loans Servicing.
XXXX XXXX XXXX XXXX ( XXXX XXXX ) on the behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated several laws attempting to collect a debt. Information was disclosed to my spouse ( non-signer ) and suggestions were made that I was having an affair and a XXXX. This same XXXX XXXX threatened to have me arrested at my home or place of business. He would find me and take me in. I acknowledge that I owe the debt and made partial payment today in an effort to resolve but my rights and the law were violated in the effort.
Unable to dispute on Transunion without paying a fee for additional services. I was able to dispute on XXXX and XXXX with no issues. I have a charge off for credit cards and I did not apply for those accounts. They belong to an ex and are part of her bankruptcy claim ... Thank you in advance for you assistance.
This collection has been placed on my credit report however, I have no account with this company, nor the company they are saying that I owe. They say I opened an account in XXXX 2017 and currently have an open balance. This is completely false. There is very little detail on my credit report about this and as I do n't have an account with them, I do n't know anything more than what they are posting. According to my credit report it says : Diversified Consultants Opened XXXX XXXX, 2017 ( 3 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX
Company agree to remove negative information from Credit files once they receive the unemployment claim insurance form that they sent to me and and I return back to then in a timely manner and they got paid by insurance for it and left the negative Information in my credit files breaking the promises.
Credit reporting agency Experian would not validate any information for XXXX accounts that I have asked for validation of on 4 separate occasions. By law they must validate with documentation any accounts that are reporting to my credit report but they have not complied with my requests.
I use the Navient online portal to manage my account. All billing is sent to me via email. 
I recently received an email from Navient regarding my account that had been sent to a relative, who 's contact information has never been a part of my loan process. I was confused because I had received no communication myself. The Navient Customer Service Dept. informed me that I had logged into the site and changed the email myself on XXXX/XXXX/16. I tried to explain to Navient that there was not a chance I had changed this information they let me know they had corrected my email and moving forward information would be sent to my proper address. At this point a process was triggered that sent an email to both the corrected email address as well as the incorrect email address, this process did not take place on XXXX/XXXX/16 when my account was incorrectly adjsuted. I am concerned because I did not change the address and my information had been shared with an unauthorized individual. Navient did not address my security concerns with how the email address was changed. The relative who received my email regarding my account had previously held an account with Navient and has a letter stating her account had been paid off dated XXXX/XXXX/16. I do not know if this was a data entry error or if my account has been hacked and my credit card info. and SSN have been compromised. Navient has not provided any information on how this was changed other than accusing me of the change. I am concerned Navient made the change, in error or to gain my attention for payment.
I have sued for the Debt which has passed 4 years of Statue of Limitation in state of Texas. 
I am too scared and confused so I am contacting CPFB to step in help me Please
I have a credit account with XXXX. In XXXX of 2016 I missed a payment by mistake. The card was a new one and I do not recall receiving a statement. I received and email stating it was past due. I paid the account at that time. I have no other late payments with them or any of my other cards. I submitted the documents and the letter that I am enclosing to them with no response. I waited until XX/XX/XXXX and decided to give them a call to plead with them to remove this 39 day late from my credit report. I am also enclosing the letter they finally sent me in regard to this. I have no other bad marks or late payments with them and I just feel they are being unreasonable and unfair. I would appreciate anything you might could do to help me with this. <P/>Thank you
The issue first started 6 months after graduation XX/XX/XXXX, when XXXX XXXX XXXX who was the original loaner ) called and sent letters regarding repayments. Since day one, I have been harassed, threatened with legal actions, and my credit has been affect. After many times I explained the poor job market XX/XX/XXXX after the housing bubble collapsed, that my career could not come close to paying variable percentages. The job I had gotten XX/XX/XXXX with a bank laid me off XX/XX/XXXX, ending up with me going on unemployment. 
Luckily I found a lawyer that helped me in filing bankruptcy, but could not dismiss this private student loan. At least XXXX XXXX FINALLY negotiated a lower payment of {$250.00} per month. 
XX/XX/XXXX, I started working again and religiously made those payments. XX/XX/XXXX, I lost my job due to a corporate buyout by way of layoffs. I called Navient, now the loan owner of the private student and federal loans, stating the loss of my job. After a few conversations, they are unable to reduce the payments. Now, after 4 months of being unable to make payments, Navient is threatening to litigate against me. 
This loan is preventing me from getting a vehicle loan, unable to rent and causing problems with getting a new job. 

I have also had a name change, originally XXXX XXXX XXXX, to XXXX XXXX XXXX. 

Attached are information about the current loan balances, Navient 's " let us help you '' letter, and a letter threatening litigation.
Santander USA I paid my car loan, but as of this writing, I have not received my car title. I worked with the XXXX XXXX and Santander, and now again, CFPB. There has to be something I can do. Your help will be greatly appreciated.