WillisBack/dataset-financial-user-claim huggingface dataset:
Received another call from the XXXX XXXX on XX/XX/XXXX telling me that their process server couldn't make contact with me so  another was being sent to the court house to be served to me there. No mention of who I supposedly owe, or am being sued by, etc ....
This is from a disputed debt back in 1993. It has been sold and resold. I have called them and they continue to attempt collection.
On XXXX of XXXX, my Hyundai XXXX was deemed totaled by XXXX. I immediately connected with the deal, XXXX for the Gap insurance information because I was informed by XXXX that their value would not cover the full balance. Upon receiving the Gap information, I called the XXXX for instructions. I immediately contacted Hyundai Motor Finance to inform them of my misfortune. I gave them XXXX 's information and the information for the Gap company, XXXX. I was told by the representative the claim was still new and they had to wait to see what XXXX would pay before they would file a claim with XXXX. I was reassured they would handle it from that point. 

On XXXX XXXX, XXXX, I received a demand letter requesting I pay the difference that was not paid by XXXX. I immediately called Hyundai to inquire as to what happened the gap claim. I spoke with XXXX who informed me that was not their job. May add that was not what was told last year. She was curt and brazen in her tone and refused to provide any assistance. I called the XXXX to find out what I needed to do. The first represented was n't very helpful and I demanded to speak with a supervisor who informed me if Hyundai can prove that they did try to reach out to them then they might be able to help. It appears that if they are not informed after the insurance company pays. the consumer forfeits their claim. I find that ridiculous. The supervisor stated that they should have emailed me a list of items needed to satisfy the claim. I told her I never received the email and she informed me it may have gone to spam. As a result, she sent the information again to help me get started. 

After getting off the phone with XXXX, I immediately called back Hyundai for more information. I waited on the phone for twenty-five minutes only get XXXX who stated she could n't hear me and I needed to call back. She proceeded to disconnect the call. At which point, I decided it would be best get you involved. When your finance company drops the ball and demand payment, ( after they reassured me, they would handle the matter ) I need a power greater than myself to get answers.
I have a collection account on my credit report from XXXX XXXX   XXXX XXXX, XXXX. 
Please be advised that I'm disputing this collection due to the fact I have no contract with them and Portfolio Recovery does not have a valid license to collect debt in the State of North Carolina according to North Carolina financial regulations. I am requesting that you delete this account from my credit reports or provide me physical proof that they are licensed to collect debt in North Carolina
Have been attempting for several months to have these collections removed from my account that via Section 609, the bureaus can not prove are my accounts. Many of these collection agencies are not licensed and bonded to collect. These are fraudulently placed on my account and do not belong to me.
Today ( XX/XX/XXXX ), I looked at my bank statement and realized that Navient had taken {$1200.00} from my account. This was to my surprise because my Rate Reduction Plan amount was {$660.00} and it didn't expire until next month. I checked my emails from Navient and 3 different emails confirmed that my 1 ) My Rate Reduction plan didn't expire until the end of this month, 2 ) My monthly payment was scheduled for the {$660.00} amount, and 3 ) I had until XXXX to renew my plan or the original amount would be taken out. I immediately called my bank to see if they could stop the check, but they said I had to go to the company. 

I called Navient and explained the situation. I'm XXXX looking for work and I live in XXXX. I can't afford rent let alone my student loans. My father, who is the co-signer helps me but he has his own responsibilities, so he can't really afford to help me much either. Thank XXXX I had enough money to cover them taking it out, but normally I don't which means that had it been a normal day, I would have been screwed. This time of the month is when all of my utilities and credit card payments come out so usually I only have $ XXXX {$500.00} left over. This could have caused overdrafts and I would have had to scramble for money. 

When I called Navient they tried to lie and told me that my plan had ended and that's why they charged me. I immediately told them that that is not true and I have documentation to prove otherwise so them taking the money is basically stealing and illegal. They said that they can reverse the check but I'd have to either wait 10 days or provide a bank statement to show them that it was taken out. No sorry or anything. Just that. I was still very angry because I didn't feel like they understood the severity of their actions. I asked to speak with a supervisor because I didn't feel like that was enough. The supervisor, who seemed to have no feelings at all, said that they can file a complaint and add it to my record. I said you could have devastated my life by taking that money out. That's all you can offer is a filing a complaint. You guys are ruining lives out here. She said, " I'll file that complaint for you and I hope you have a nice day. '' Navient is out of control. They know that they are a shady business and do illegal things but they try to hide it or act like they've done nothing wrong. I have plenty of documentation to show that they should have only taken the {$660.00} out of my account and nothing else. So they stole money from me. They need to be shut down.
XXXX is n't reporting the XXXX XXXX auto as being included in our Bankruptcy and Experian is showing lates in XXXX in error. XXXX XXXX is reporting correctly with no lates in XXXX or after as the Bankruptcy was started in XXXX ( and discharged in XXXX ) and all of my wife 's and my debts were charged off and included in the Bankruptcy in XXXX. I demand that XXXX shows this account was included in our BK and that Experian removes the lates from XXXX that are in error.
While reviewing my Equifax credit report, their is still a auto loan on my report, that was paid off in 2008.
Hello, my name is  XXXX , my identity was stolen back  in 2011, about two weeks ago a collection from " MIDWEST RECOVERY SYSTEMS '' shows up on my credit report ( s ), and it is not mine, they claim it was from a payday loan taken in 2011  and that I should " just pay it '', I will NOT pay for something that I did not do! It was a result of ID theft! I want this removed from my credit reports! I hope someone sees this that can actually do something about my problem.
i have a sears master card which i have not used in many years recd a invoice with a XXXX XXXX dollar charged for phone services fir an inmate in al. told sears the whole story also told them account was breached or hacked close it and i never use it got a letter saying i dont have to pay the min balance due really im in mass. not Alabama still have not closed my account i wanted to know if this was a breach and my info was stolen still have not heared people should know of this if it was a breach
XX/XX/XXXX : I was contacted by Navient that I was eligible to have my school loans with XXXX XXXX XXXX XXXX XXXX University discharged as a result of school closure. The letter ( see Attachment 1 ) provided an attachment application for the loan discharge and directions to follow.

XX/XX/XXXX: I was contacted by Navient ( see Attachment 2 ) that my application had been approved. The letter stated that my obligations to repay a total of 6 loans were fulfilled and the loans were discharged.

XX/XX/XXXX : Per my request, my additional remaining Direct Loans serviced by Navient totaling {$80000.00} were then consolidated with XXXX XXXX for a lower interest rate.XX/XX/XXXX : I received a letter from Navient that 11 loans had been paid in full -- rendering my account balance at {$0.00}.

XX/XX/XXXX: I received a series of emails from Navient notifying me of new correspondence in my Navient inbox when I log in ( see Attachments 3-8 ). Upon logging in to my account, my account balance with Navient was listed at {$57000.00} ( a capitalized interest of {$8000.00} ) with the first payment of {$660.00} due on XX/XX/XXXX. Refer to Attachment 9. The balance reflected were the loans I had previously had discharged on XX/XX/XXXX. Additionally, one correspondence stated that the 6 loans I had previous had discharged have been successfully enrolled in AutoPay. This request was not authorized by me. Also, the checking account connected to the AutoPay debit was an old account that I have previously closed.
Third party creditor collecting for a party who decided to generate false accounts receivable for services not rendered.
Transunion allowed access to my credit report without my permission and request credit reporting agency to demonstrate clear permission in accordance with the Fair Credit Reporting Act XXXX XXXX XXXX made a hard inquiry twice in XXXX without my permission.
This has been reinsterted with out having the debt verified, violation of FCRA section 611 15 USC 1681 paragraph 5 I need this removed asap or will file a lawsuit.
I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete it ASAP as this is very exhausting. Nobody wants to grant me a loan  because of this XXXX  XXXX XXXX.
Wells Fargo started my refinancing of my home mortgage in XX/XX/2016. I received the whole Uniform Residential Loan Application, Loan Estimate, I had Appraisal Report done and meet with XXXX, Mortgage Consultant : NMLSR ID : XXXX Phone XXXX at Wells Fargo Bank on XX/XX/2016 to receive my Closing Cost Details XXXX. 
I contacted XXXX several times and he continues to tell me he will be contacting me to schedule my closing date. He never contacted me and I continued to call him but he never returned my calls or answered my voicemails that I would leave.
My name is XXXX XXXX XXXX .I have been a loyal payer of my mortgage for the last nine years.I have requested help for the last six years and they did nothing cause I always paid them.XX/XX/2015 I told them I will no longer pay them until they do something to help, now they are foreclosing on me.I had perfect credit, they have ruined it.They now are telling me I only qualify for a short sale or deed in lieu.Why are they allowed to do this? ( XXXX ) XXXX, please help me, interest rate isXXXX.XXXX, other mort rate isXXXX.XXXX both are interest only.
I'm filing this complaint for you to reverse the late payments reporting on XXXX  XXXX XXXX  XXXX the account is also reported duplicate. The account was not paid late. I always sent the payments a day before the due date so it's impossible that the account is a past due
Unauthorized charges were made on my Citi VISA card. The charges were made in XXXX, XXXX. I live and work in XXXX, XXXX. I was not in XXXX on the dates of unauthorized use. The amounts were all suspiciously large even numbers : {$400.00}, XXXX etc. amounting to over {$2600.00}. These charges in no way resemble the pattern of spending history previously or after the disputed charges. I have tried repeatedly to dispute the charges with Citi. They just sent me a letter stating that " since my name was on the card '' I would be responsible for the charges. The stated policy of the bank is that I am not responsbile for any disputed charges.
In my long fight ASC ( Wells Fargo ), the most recent battle is with my Property Insurance. My Agent submitted to mortgage lender to pay insurance as they been paying in the past. Instead, they now refuse to pay it claiming my loan does not have escrow. They have paid in the past including the property taxes for the past years. Now they have issued a for-placement insurance and ( of course ) charged to my escrow.
XXXX and diversified consultants keep calling and asking for a debt of {$1500.00} be paid and say the account was opened XXXX-2015 which ia not possible as i have had XXXX for 5 years. I have asked numerous times this be removed as it is not correct.
I am a victim of identity theft and I submitted an ID Theft package based on instructions from the FCRA 605B which included a signed FCRA Affidavit, police report and proof of my address and identity. However, all 3 bureus only processed part of my request and left several fraudulent accounts still reporting. They stated that the accounts were verified by the creditor which is impossible!
Wells Fargo Home mortgage company has lied to me on several occasions during my attempts at a loan modification. The assured me they would have my file transferred to a home preservation specialist in time to meet deadline on the Making Homes Affordable program.That did not happen, so I no longer qualified for that program They denied my modification and appeal, saying that it conflicted with with bankruptcy, even after my attorney told them we could adjust the bankruptcy to fit there terms.
I requested another chance at a loan modification, stating my finances had improved and they said they would send me out another packet, but after not receiving one, I called to see what 's up and they said they were not going to let me re- apply.
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At one point a supervisor said they needed till the middle of XXXX to make a decision, but it turns out that the decision had already been made ( appeal denied ) and they were trying to bide time for bankruptcy protection to end so they could start foreclosure process. The last Specialist that was assigned, never talked to me once and never returned one phone call.
If I had n't called, I would have never known. Usually takes 2 weeks to get a letter from them that is dated way back. They write them and date them but do n't send them out, so everything is 2 weeks behind, which cuts down responses time.
At one point they said I was approved and then came back and said, oops we made a mistake, you 're denied. I have ask them for 2 months to sell the house, for I have equity, and they refused, so now they are going to start the foreclosure and I will loose all my equity. This has been a most horrific experience. It all started due to medical issues, which I have recovered from fully and I am in full swing again, except I am going to loose my house.
Commonwealth continues to insert fraudulent accounts into my credit file. Not only are these accounts getting inserted commonwealth is failing to provide me with any proof that this account belongs to me. I have written this company 4 different times and made them very aware that this account in the amount of {$1700.00} does not belong to me and is a result of identity theft. You are hereby notified that I am a victim of identity theft and the accounts listed below that appear on my credit file are a result of identity theft. I did not open or authorize this account for the 100th time, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. Commonwealth has not provided me with any contract bearing my signature nor do they have any such contract. Not only that I have not authorized anyone to share my medical information with no third parties or anyone else. I'm baffled as to how this company continues to report inaccurate information and is steadily getting away with it. What are you using to verify this information who have you talk to what proof has been given? It can't possibly be anything that is accurate because I have never dealt with commonwealth or the company it represents. I will be forced to sue commonwealth and all CRA that's reporting this information.
We currently have a loan with Bayview Loan Servicing. Our loan had been sold to Bayview from XXXX bank, which they are in their full right to do. We had requested a loan modification in XXXX 2016. We had provided all the requested documentation and final tax document that they requested. We faxed and emailed to the loan modification person. Then she left and then we were assigned to another loan person. I again was asked for the same information that I had already provided, which I did again. Then I kept getting letters asking for the same information again. I have tried calling and emailing the loan rep numerous times without any return call or response. I even tried to get a hold of the asset manager and left messages, again with no return call. I finally gave up on my loan modification as they refuse to respond to me. We are only one payment behind. I need to know what my legal rights.
Capital one is reporting an open account on my XXXX  and XXXX in the amount of {$2000.00} that does not belong to me. 

On my credit report Capital one shows this alleged debt was sold to a collection agency and both Capital one and the collection agency are both trying to collect double on what appears to be fraud. 


I do not have any open accounts with Capital one and this needs to be removed from all 3 Credit reporting agencies immediately, Capital one is sending the credit bureaus inaccurate information which has caused me to be denied loans and job employment
A credit inquiry made on XX/XX/2018 from XXXX shows on my XXXX credit report. Another credit inquiry made on XX/XX/2018 from XXXX shows on my Experian credit report. Both of these inquiries were made fraudulently by someone with my personal information attempting to open credit cards under my name. I have alerted both XXXX and XXXX to let them know these were fraudulent and both companies stated that they would have the credit inquiries withdrawn from my credit profile, which they have not yet. I have placed a 90 day fraud alert on my credit profile with all 3 credit bureaus.
Since XXXX 2017 I have tried talking to Navient about my account being paid each month before the due date, then receiving letters and phone calls that my loan is past due. Each month I call, they supposedly fix it and then it happens again. I have documentation of each time Ive called ( including the times ). Now, they dont even return my calls.
1 ) About XXXX, 2016 ( when I XXXX became aware of their derogatory report in my Credit File ) I sent a mailed Request to the company [ Midland ] in XXXX XXXX, Calif. to remove the False & Derogatory Report with the ( XXXX ) Credit Bureaus. They Failed/Refused to respond. 

2 ) XXXX XXXX, 2016, I sent a Request to [ all XXXX Credit Bureaus ] to Dispute the False Comment by [ Midland ] and Requesting they Remove it. No Reply to date. 

3 ) XXXX XXXX, 2016, I sent a XXXX complaint on [ Midland ] to Calif. XXXX.
I have been in review with Rushmore for over 1 year trying to get my mortgage modified. We are currently assigned to XXXX XXXX, who has been nothing but combative and rude throughout the entire process. I am asking for our representative to be changed immediately, as she is nothing but degrading and very snide to my advisors as well. She has done nothing to help us but only harm the process. As I have stated, we have been in review for almost 1 year. We even told Rushmore that we have {$10000.00} to put toward a down payment on a modification, still they drag their feet. We have sent the same documents over and over. I think it 's because they just do n't like us and are trying to stall to sell our house. What happened most recently was that they put a sale date on our house for XXXX/XXXX/XXXX even though we are still in a Chapter XXXX bankruptcy that is not discharged. Not knowing the laws and not knowing we are still protected. My huband filed a Chapter XXXX in his own name on XXXX, a day before the sale, which was upheld by the Bankruptcy court as valid. Just last week, XXXX, Rushmore 's attorney, XXXX, tried to file something to overturn our bankruptcy based on a document he filed in XXXX. The bankruptcy judge overturned his filing ( attached ) and said there will be a hearing on XXXX/XXXX/XXXX to give us time to respond. I am currently talking to my atttorney to file a response to let the court know how hard we have been fighting Rushmore to keep our house. We have been assigned to people who refuse to help us. The letter from the bankruptcy judge who overturned XXXX 's filing has been on file and emailed to all involved ( Rushmore and XXXX ) on XXXX. It is now XXXX and Rushmore states that there are no new developments and they have to wait for instruction from XXXX 's office. Every day they wait is a day closer to me losing my home. They have this letter in their possession and they are still not trying to move forward. My advocate XXXX has called XXXX, who now conveniently does n't answer the phone, as well as her supervisor XXXX, who has not called him or us back for now another 2 days. I have been on the line as XXXX has left messages. I need help moving this forward, nobody at Rushmore has helped in the slightest, all they have done is talk down to us, ignore us, and ask for the same documents over and over. I further give my permission to talk to XXXX XXXX and/or XXXX XXXX at XXXX XXXX, they are working hard on my behalf but have also just been disregarded by Rushmore. I am also putting my authorization in writing ( attached ).
XX/XX/2018 {$720.00} This is the first action Ive taken. The company has sent this balance to a debt collection agency without my knowledge of knowing about the debt
XXXX   XXXX     2016  an inquiry was placed on my   XXXX    Credit report but I have not applied for any type of credit wit h Citizens. P lease remove the inquiry according to FDCP and federal regulations.