WillisBack/dataset-financial-user-claim huggingface dataset:
I received a summons for debt collection from XXXX County Sheriff 's office XX/XX/XXXX saying I owed {$2600.00} which included interest, judgement cost, and attorney fees. It is planning on garnishee my wages from my employer. The hearing is set for XX/XX/XXXX with no time listed. I contacted the creditor ( XXXX XXXX XXXX ) thru the Attorney 's office listed as XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Va XXXX by phone ( XXXX ) XXXX. I spoke with XXXX at first, then she referred me to XXXX XXXX. He stated I had to pay {$2600.00} to them my credit card, check, or debit which will process within 3 days. He stated I owed XXXX XXXX  since XX/XX/XXXX. He told me the account number it was opened under. Then he told me the account number I need to pay under. It was 2 different account numbers. I asked for the information of the creditor so I could contact them to resolve the issue, but they wouldn't disclose that. I told them I had no debt in that amount and that I had never heard of such company. He just told me to pay. Then I checked my credit report and there was nothing from that company or in that amount. I received another phone call last night saying I owed another major credit card debt. I have been receiving threatening phone calls saying they will file fraudulent and legal charges against me for this debt. I have since then contacted the FTC and filed a complaint. Now I am filing a complaint with you all.
When trying to obtain my credit report information on line I am given one question that asks about what bank did I open a debit card account at and I have never opened a account at any of the banks listed. I then check none and go to the next question. The next question says that I have taken out a automobile loan and asks what are my monthly payments. I have no automobile loan and monthly payments. I the check the none as the response and hit submit. I then get a notification that my information is not available because Equifax information does not mach mine. Equifax gives a XXXX number to call but it will not work with cell phones and my landline is for local calls only and will not work for XXXX numbers.
I have disputed with Midland Funding before. I do not know what this is for and have not opened up anything in XXXX 2012. I believe that either someone fraudulently opened up an account or this may be for something way past the statute of limitations from years ago possibly. I am in the process of purchasing a co-op and I must have this removed from my credit report asap if they can not provide answers or if they are " parking '' this forever on my credit.
Bank of America is refusing to produce proof of a conversation I had with an associate in which I was told to pay less than the amount I owed for XX/XX/2016, which caused me to come up short {$36.00} for the month and they reported me late. Ive written to the CEO, XXXX, spoken to a couple special services reps and have gotten no where. Since this was done with a phone rep, there are no written records on my end, so Ive asked them to produce the proof that my conversation with the rep I spoke to did not cause this. They know who I spoke to, as they have referenced it. Therefore, they must have some record of this. I want this false late removed, as I did what I was told to do
Our manufactured home was burned to the ground on XX/XX/2018. We have a reverse mortgage # XXXX. XXXX XXXX settled our file and we sent the signed check for {$78000.00} to Reverse Mortgage Funding along with the all of the required documents. We sent our plans and blueprints of the new home, the adjuster 's report, the contract for the new manufactured home, and the contractor who would set the new home on the foundation.

We have received no response. We have called and been put on hold for hours, just to be disconnected or told that they don't have our paperwork. We are being held hostage and can't even apply for a new loan until this is resolved. We can't afford to stay in a hotel indefinitely. Please help us. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
U.S. Bank, as trustee for the benefit of XXXX XXXX XXXX XXXX, perpetrated fraud in a foreclosure action against me and procured an unjust windfall of {$350000.00} at my expense. 

In XXXX XXXX I consented to pay or re-finance the {$680000.00} unpaid principal ( inclusive of unpaid interest added to the original {$670000.00} amount ) of a loan I had received from XXXX. in XXXX that XXXX allegedly had acquired. 

In XXXX XXXX, I received a statement from XXXX, the purported loan servicer, indicating that my " unpaid loan balance '' was {$650000.00} and that my " new monthly payment '' would be approximately {$1000.00}. Assuming this was the bank 's loan modification offer pursuant to XXXX XXXX XXXX XXXX, I sent the first month 's payment to XXXX. 

However, U.S. Bank did not cancel the sale, and my home was sold for {$1.00} XXXX. I spent the next year trying to set aside the wrongful foreclosure sale but was unsuccessful. 

In XXXX XXXX the court disbursed {>= $1,000,000} to U.S. Bank, which was {$350000.00} more than I owed to the Trust. And now I can not find an attorney to represent me because the original foreclosure judgment is more than a year old.
Hello CFPB, I am sending this complaint to your office in hopes to resolve a credit reporting error with Trans Union. Between the months of XX/XX/XXXXand XX/XX/XXXX 2016 I sent a written dispute to Trans Union to for them to remove a collection account that was reporting by XXXX XXXX XXXX XXXX XXXX . I advise in the letter that the account reporting was an error and that collection agency have forwarded them information to delete the file from their records. After sending Trans Union my dispute letter and a letter from XXXX XXXX XXXX XXXX XXXX stating that they have instructed the credit reporting agencies to remove the account, the account still is reporting on my Trans Union Credit report. Please see below.
In XX/XX/2014 I went to a medical Lab for XXXX XXXX. I gave the tech my medical card. This was the second time I had been there approximately a week prior so my medicaid card was in the system. I later received a bill. I went back to the lab and explained to the same Tech that my bill needed to be sent to XXXX for billing. The Tech stated she would do so. As I received bills I called XXXX  and they said they have no record of my information but it was sent to a collection agency.
Using the   XXXX   XXXX   app, it pu ts two or three s mall deposits into my account, which my bank is supposed to put back. But my bank has not returned the amounts yet.
I received a letter today XXXX/XXXX/XXXX from Nationwide, attempting to collect a debt I do not owe. " XXXX '' from Nationwide had called me on XXXX/XXXX/XXXX on behalf of XXXX XXXX XXXX XXXX XXXX XXXX, attempting to collect debt that I do not owe ( please see CFPB complaint, # XXXX ). I informed XXXX that I had filed a complaint against XXXX with the FTC, under the Fair Debit Collections Act ; I told XXXX that her company is to never contact me again about this, and if they do, I will file a complaint against Nationwide. Here is the history, as denoted in the above-mentioned complaint ... 

On XXXX/XXXX/XXXX I called XXXX and spoke with " XXXX '' and cancelled my policy, effective same day. On XXXX/XXXX/XXXX I realized that XXXX had billed my bank account on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX for premiums of {$45.00} each time. I called XXXX, spoke with " XXXX '', who confirmed that XXXX had closed the account on XXXX/XXXX/XXXX but had not deleted my payment information. XXXX put me on hold and then confirmed she had just deleted my payment info. I requested a refund and she said she is unable to do this, that I would need to speak with a different department during office hours. I then called XXXX XXXX XXXX to dispute the charges and request that all future charges be denied as unauthorized. I spent a total of 2 hours on the phone that day. I received a letter from XXXX XXXX XXXX dated XXXX/XXXX/XXXX informing me that my dispute was considered valid ( see enclosed ) and crediting my account. Subsequently, I received several letters from XXXX, first threatening to close my ( closed ) policy due to non-payment. Then 2 weeks ago I received a letter threatening to send me to a collection agency. So that day ( XXXX/XXXX/XXXX? ) I called XXXX ; I was on hold for 30 minutes without ever speaking to a representative, before hanging up. During that 30 minute wait, I went online and filed a grievance with the FTC against XXXX for violation of the Fair Debit Collections Act ( Reference # XXXX ). I then drafted a courtesy letter to XXXX to inform them of the grievance ; I mailed it XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I received the Collection phone call from " XXXX '' at Nationwide. Despite my providing her with the above information, and telling her that her company is to never contact me again, and informing her that I would update my grievance with the FTC to include her call, Nationwide has now sent me a statement, for MORE THAN the amount that was initially paid, refunded, and sought. I am now filing this grievance against Nationwide.
Navient student loan company has been calling me XXXX 4 times a day regarding a loan I co-signed for someone. It 's very irritating. They call with different phone no. 's
I am in concern to a mortgage we were approved for but has yet to close. We applied for a Mortgage back in XXXX 2015. We were approved sent in all our financial information, had our appraisal, foundation inspection, final approval and had to have a rent survey of our area. We prepaid for all of our inspections as they requested. Our seller did all his part and our closing dates have been changed as they requested the same information over and over again. Now they have let the appraisal expired and are asking it be redone again and start over. How are they allowed to do it? They have delayed several times and sent SAME docs OVER AND OVER AGAIN WITH THE SAME INFORMATION JUST CHANGED THE DATES.to be signed with same information several times. We have had dates to closed promised, and always delayed with XXXX excuse or another. ALSO THEY TOLD US IN A EMAIL NOTHING WOULD EXPIRED IT WOULD JUST BE UPDATED IN NEW DOCUMENTS .. THIS IS XXXX ALREADY AND STILL NO CLOSING. Why are they allowed to do this to a home buyer who is committed and has done everything they have asked. Buying a home is a huge investment in your future. It has taken a toll on our health with the stress, and on the lenders side no consideration for the home buyer who has done all they have asked for.
I am disputing information on my Experian Credit Report. Experian has sent letters in the past claiming that my dispute was frivolous and they would not reinvestigate any items that are incorrect as they have supposedly verified them as correct. I have asked for verifiable proof of what Experian has claimed is incorrect in my credit report and they have failed and said this does not apply to them. Their inability to provide any proof makes me believe they are not actually verifying any information and just claiming that information on my credit report is correct. I have mailed letters dated XX/XX/2017 to them concerning this. The letter is attached to this email that I have mailed to them.
This is the 6th attempt to contact Equifax, and my 2nd complaint with the CFPB regarding misleading, incorrect information on my credit report and I have become emotionally stressed by the fact that Equifax isnt reasonably investigating and fixing this matter. This process has caused me time, stress and opportunities. According to 15 US Code Section 1681 ( I ) of the FCRA, I demand that the information for XXXX ( Account : XXXX ), XXXX XXXX ( Account:XXXX ) and XXXX XXXX  XXXX XXXX be reinvestigated and deleted from my credit report. On XX/XX/2018, you stated in writing that you had investigated the accounts and that they had come back as verified. How? I did not receive a contract with my original signature on it, or any binding agreement that would authorize XXXX, XXXX XXXX or XXXX XXXX to report information under my name and social security number. In fact, this is my 6th request for a contract bearing my signature to be provided from me, by way of the companies in question. 

Let me be clear. I am requesting that a contract or written agreement with my signature on it be furnished by XXXX, XXXX XXXX and XXXX XXXX within 15 days. If a written contract with my signature on it is not furnished within 15 days then I demand that these accounts be deleted from my credit report. By not providing me with a signed written contract, Equifax, XXXX, XXXX XXXX and XXXX XXXX are in direct violation of the FCRA. 

I have been carefully documenting your willingly noncompliance and have filed a complaint with the FTC. If you fail to conduct a reasonable investigation then I will be forced to file a complaint with the Attorney General in both my state and yours. Please delete this misleading information and supply me with a corrected credit report within 30 days. Thank you.
I recently received the calls from Diversified Consultants, today at XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They're looking for a person named XXXX, not me. I try to call back but they'll forward to automated message and I don't want to spent time to fool around with a scam liked call.
XXXX, Equifax and XXXX all have supposedly investigated my claim that : 1 ) XXXX collections of XXXX XXXX, Tex. has placed multiple charges as individual accounts, thus overly diminishing my credit & scores. My investigation is, they are all charges to one account. Furthermore, I never had any prior knowledge of them before I found them on my credit. I have no obligation to pay same. I have never been sent a bill for them, therefor, they, by law can not be placed for collections on my credit record. 
2 ) None of the three, XXXX, Equifax or XXXX have the same amount of collection accounts posted to my credit report. Each has deleted or removed one or more of them. Thus, none of them are getting truthful posting info from XXXX, so, how can they take XXXX 's certification that they are posting true and accurate charges against me? 
I have questioned this Certification each time they come back from investigating my disputes with their replies that " they have checked with XXXX and they have certified to them they are correct '' so no changes would be made. 
If XXXX was being truthful, they would have never eliminated any, or, they would have left the totals the same and combined them into one account number.
I called on XX/XX/19 to try and settle a credit card debt with Nordstrom. I then asked, is there a way we could come to an agreement to get the debt off of my report in order to bring my score up and open up a line of credit with the Credit Union. The lady insisted that the account was closed and would reflect as a negative impact on my credit for several years. After tireless discussion she then said " You can call back at the 7 year mark to get it removed ''. I opened the account not knowing the repercussions of spending and not paying off the debt. I was young a clueless about credit and its negative affect later on in the future ( Today ). I was even willing to pay the debt even though its been 3 years, 1 month, and 26 days. She could have worked with because I've gotten things off of my credit before. I actually negotiated a fair amount with two other debt collections, so I know it's very much possible for this negative account on my credit to be removed.
On XXXX/XXXX/XXXX I paid Santander, via XXXX certified check, {$1300.00} to close my automobile loan account # XXXX. On XXXX/XXXX/XXXX, a recurring withdrawal in the amount of {$240.00} was debited from my XXXX account and posted to my 'closed ' Santander account. On XXXX/XXXX/XXXX, XXXX credited my checking account {$240.00}, pending investigation. On XXXX/XXXX/XXXX, XXXX reversed the credit to my checking account. When I inquired, I was told by a XXXX customer service representative that a representative from Santander confirmed the charge as valid. Since, XXXX/XXXX/XXXX, I 've spent hours on the phone with XXXX and Santander to correct this situation to no avail.
Ditech Mortgage Company is making it impossible for me to set up automatic monthly bank withdrawals to pay my mortgage. They have mistakenly input wrong bank account numbers on this account and blamed me for it and now claim that it is impossible to put the account on auto pay for 12 months even though I have another mortgage with them on the same bank account in good standing. As I travel internationally extensively, this is making it certain that I will miss payments and thus be charged late fees and receive negative credit reports. I believe they are intentionally doing so in order to collect late fees and their customer service department is unwilling to assist.
Equifax has reinserted accounts from XXXX XXXX back into my credit report at least three times now.
Experian is not responding to my request to investigate, verify and remove accounts from my credit report that do not belong to me per The Fair Credit Reporting Act.
The company Diversified consultant has received my account from another collection agency. The company reported the debt to my credit on XX/XX/XXXX and again on XX/XX/XXXX. This company has been reporting the debt to my credit every 30 days. I am asking that the company report to my credit correctly or remove the item.
My son hurt his knee. There was a {$60.00} deductible that did not get paid. The doctor sent me to collections saying I owed {$200.00}. I was then sued for {$300.00} and could not afford to contest. They got default judgement. I am in the process of being garnished for over {$1100.00}. How can I owed 18 times the original debt? it is unconscionable.
I just received a copy of my credit report. An agency entitled XXXX XXXX XXXX  located at XXXX XXXX XXXX, XXXX Michigan did an inquiry on XXXX resulting in a lower credit score. I did not apply for credit. 

Equifax searched out and placed a lien release on my credit record and refuses to remove. This lien was paid in full. 

XXXX searched out and placed a lien release on my credit record and refuses to remove. This lien was paid in full. The state of Oklahoma does not file liens with the three agencies. 

XXXX did remove the lien off my credit report. I want Equifax, and XXXX to do the same. I want XXXX investigation as to why they pulled my credit report.
This company ( Bureau of Med Econcs ) which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$1000.00} and {$1500.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
I am writing this letter to address a series of student loans bills that I 've incorrectly received as a result of a misunderstanding with Sallie Mae regarding my enrollment status at XXXX University. It is my hope that upon reviewing my testimony that you will be able to help me in resolving this problem. 
My current predicament is the result of an unknown error which occurred during my XX/XX/XXXX semester. I attended classes with XXXX and received grades all throughout the semester. It was only brought to my attention just after the semester had ended, while preparing for my XX/XX/XXXX semester, that the university had no record of my attendance during the XX/XX/XXXX. Evidently, in XX/XX/XXXX when I had applied for a loan for the XX/XX/XXXX semester, Sallie Mae had never transferred the funds to XXXX University, and consequently the university did not recognize my attendance during that time. Despite the appeals from my professors, the university deemed that they had no record of my enrollment after XX/XX/XXXX, resulting in XXXX and Sallie Mae proceeding to begin billing me for student loan payments under the assumption that I had withdrawn from school. In XX/XX/XXXX, upon learning of the full extent of this clerical error, I was unable to pay the XX/XX/XXXX bill and was forced to cancel the semester. At this time, I was completely locked out of the university 's system until the bill was paid or semester was canceled, and was therefore unable to register classes in time to meet the XX/XX/XXXX start date. After making a complete assessment of my standing with the university through many meetings, I immediately re-enrolled as soon as I was granted access with XXXX to resume classes in the XX/XX/XXXX and have remained a XXXX ever since. 
I have attempted to rectify this situation with Sallie Mae and XXXX through repeated written correspondence and phone calls and have even made multiple deferred payments. These efforts were successful with XXXX, as they recognized the error and cleared things up swiftly. Sallie Mae, on the other hand, has ignored my requests to resolve this and has instead incorrectly charged off the two loans mentioned above to a of debt collection agency. 
Additionally, this situation has negatively impacted both my credit history and my father 's who is a co-signer on the loans. 
It is my understanding that student loan bills would cease at this time until after my graduation given that I am XXXX at XXXX University, and have been since the XX/XX/XXXX. It is my hope that upon reviewing my testimony you will be able to help me in resolving this problem so that I do not continue to be wrongfully billed for these loans. Thank you.
The XXXX XXXX of XXXX, a branch of the XXXX XXXX XXXX XXXX, claims that they are an accredited college. Yet while trying to find options to consolidate and refinance my student loan they are absent from all lenders list of Title IV schools. Therefore I do n't have the option to refinance and lower my rate. My loans are through Navient, who the XXXX XXXX XXXX XXXX directed me to use as a lender. I have a variable rate interest that can be raised at their discretion and the rates continue to go up every month. The XXXX XXXX XXXX XXXX is misleading by saying that they are accredited. What is my recourse?
Capital One has told me that I do not have late payments on my account but my credit report is showing XXXX late payments ( XXXX, XXXX, XXXX, XXXX, XXXX ). I have disputed this information with Capital One several times and have been told that the late payments are correct but when I contact Capital One they assure me that there are no late payments on the account ; Capital One then assured me that the late payments were corrected and removed off my report and that the credit bureaus had to update their reporting. After disputing with all XXXX credit bureaus, I get a unanamous answer saying Capital One is reporting the late payments so my credit reports can not be changed. I have submitted complaints to all XXXX credit bureaus thinking they were refusing to update the information but the re-investigations by the credit bureaus are pointing to Capital One being the broken link. Capital One is telling me that their reporting was updated and they are not reporting late payments but they still report the false data. Capital One is lying to me about my account information and reporting false data. Attached is a copy of a conversation I had with a Capital One representative. They clearly state that the late payments have been updated and removed, yet they still report the late payments. Calling Capital One yields the same result. I end up waiting for the credit bureaus to change the information but they are only reporting what Capital One is providing them. Capital One needs to report the correct data and my credit reports should be updated and the negative information should be removed. These XXXX payments have killed my credit score.