WillisBack/dataset-financial-user-claim huggingface dataset:
On  XXXX   XXXX  I made a manual payment on my student loans through  Nelnet for my  federal loans ( and their subsidiary  XXXX  for my private loa ans ). I 'm also  set up to autodebit, where I selected " pay balance due '' as the payment option.     To me this should clearly mean I only pay what I currently owe on my payment date but apparent ly Nelnet and   XXXX  prefer to set their ToS in such a way that they 'll charge me a month payment on the date regardless. It 's not clearly expressed that making payment early does n't cancel the auto debit. I 've now been charged several  hundred dol lars  (   XXXX  by nelnet and  XXXX  by   XXXX   on  XXXX  ) between th e two.      While initially a call rep said I would be able to request a refund of the manual payment, the resolutions department refused on the basis of both payments being authorized. Since there 's no way to make an unauthorized payment I 'm not sure what else they expected. The person I talked to literally sounded like a soulless drone. They lectures about reading ToS and were callous to the fact they  may expose me to late fees and fines on other bills by double charging me. There was n o escalation beyond a voicemail I would not be guaranteed a response from.
I had a XXXX credit card account that I disputed with the collection agency who was reporting it. After investigating, the collection agency sent me the results of the investigation and concluded that they were closing my account. The company stated they filed a Universal Data Form electronically requesting that the three major credit reporting agencies delete their trade line for this account on your credit reports. This was in XX/XX/XXXX and the credit bureaus removed the account. But it has appeared back on my credit report in the last year or so. I have disputed this multiple times with the credit bureau and explained that this should not be on my report because I do not have knowledge of the account. I sent certified letters X/XX/17 to XXXX and TransUnion and disputed online with XXXX requesting that they delete this inaccurate information. They bureaus refuse to delete the information from my credit file.
Credit application was submitted in my name. Without my knowledge. As a result credit inquiry was added to my consumer report. I have contacted Pentagon FCU on several occasions. The following date of inquiry was XX/XX/XXXX. I filed a police report XX/XX/XXXX due to identity theft and have been trying contact all companies that have had a credit application in my name.
I have a mortgage with Chase. I have never been late on a payment. For some reason they have blocked my access to pay online. If I try to contact them I am automatically forwarded to their default/collections division. Repeat : I am not in default on my loan. So you have to call customer service which has my checking account information. They are basically harassing me and trying to force late payments by blocking my access to pay my account online. I have written to CFPB 2 or 3 times before this complaint but my issue has never been resolved.
I was trying to buy another house, all of a sudden a bill appears from a Common Wealth Financial Systems for {$75.00} in my credit report. I contacted them and they gave me XXXX different stories of where the bill came from. XXXX was from a physicians office and the other story is that I went in to XXXX hospital in XXXX XXXX. I live in XXXX, I have never been to a XXXX hospital or any medical providers there. I called XXXX of these places and neither of them have proof or record of me being there. Common Wealth Financial Systems told me that they bought this bill from XXXX XXXX XXXX, but that they can not give me XXXX information. I have tried looking for XXXX contact information online, but there are many of those companies, I have also read similar stories to mine and they have all been fraud collections from XXXX.
XXXX says I am Dead. I call and wait on the phone for one hour and then XXXX hangs up on me.. I have tried repeatedly to get this fixed. The first person I talk to can tell my file is jacked up. They forward me to a case manager and the case managers do not fix the problem and hang up. XXXX was the last person I talked to and after a 20 minute hold he talked to me for 2 minutes and hung up the phone.
I am unable to access my Equifax report, through Equifax directly or any other third party, it states error. This has happened to me numerous times. I believe I have what is a split file with equifax. I have contacted them on several occasions and they claim I have to pay for my report to be fixed which is a lie. They are extremely hard to understand and it has happened several times. Now i am unable to get a mortgage because I have no report or score.
I have been a victim of credit fraud. I have requested under FDRC act to  obtain proof that I gave authorization for credit inquiries. The customer rep did declined to help me. Ive 3 different written letters to all three bureaus re : 16 inquires on my reports and nothing have been done. Ive called. Nothing. Help
I had a pay day loan and dispute over a matter of XXXX from XX/XX/XXXX. There is a company called National Credit Adjusters XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX phone XXXX that call me multiple times a day demanding I pay them {$1600.00} they have on at least 4 occasions called my place of employment and gone through a switch board operator and left messages for me most recently on XX/XX/XXXX I have on 3 occasions contacted them and asked to please not call my work but they continue to do so. Approx 1 week ago I finally received some documentation on the original loan however the amount they are demanding exceeds the amount I borrowed.I did receive a notice several years ago where either this company or another attempted to file a small claim in XXXX XXXX Municipal Court which is in a county I do not live and the case was dismissed in that court.
XXXX/XXXX/XXXX I ENROLLED AT XXXX CAREER CENTER IN XXXX XXXX FLA. 

MY GOAL WAS TO PICK UP A TRADE AND PICK UP A GOOD PAYING JOB TO SUPPORT MY BABIES, BECAUSE I HAVE XXXX KIDS. 

I ENROLLED INTO TWO PROGRAM AT THE SCHOOL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I COMPLETED THE PROGRAM AND WAS BEING PREPARED TO HEAD OUT IN THE FIELD TO COMPLETE MY XXXX AND OUT OF NO WHERE THE SCHOOL CLOSED ( WHAT HAPPENED NEXT ) 1. MY CREDITS FROM XXXX ARE WORTH NOTHING AND NO COLLEGE WANTS TO TRANFER AND ACCECPT THE CREDIT BECAUSE THE SCHOOL IS CLOSED 2. THE SCHOOL CLOSED WHILE I WAS ENROLLED AND DIDNT GET TO COMPLETE THE END OF MY PROGRAMS 3. XXXX DID NOT INFORM ME THAT MY ARREST/CHARGE WOULD OF STOP ME FROM WORKING IN MY FIELD. 

THE CAREER FIELD I CHOSE NEEDS AND REQUIRES LICENSE AND MUST TAKE A STATE REQUIRED TEST WHICH IS 10 QUESTION
I have requesting correction or removal of the derogatory account reporting from XXXX XXXX   XXXX time in the last couple of years. This account was paid in full under no settlement or otherwise stated. This account was never late or every a collection account. The company has corrected the information with only XXXX credit reporting agency and the derogatory information of a charge off is still being reported on my XXXX credit disclosure. Date of request were XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX On my last request to dispute the company had the audacity to not only NOT correct the inaccuracy but to change the corrected CRA file to report negatively. This account was paid in full on XX/XX/XXXX therefor could not be a collection account or late or derogatory in XX/XX/XXXX or XX/XX/XXXX as reported.
I applied for a Citi XXXX + Rewards card and received a bill on XXXX XXXX 2016 but had not received the credit card. I called customer service where they kept asking me for my card number and I explained I did n't know it because I never received the card. The told me I would have to be verified and to send my drivers license, social security and a utility bill to fax number XXXX and they would know what to do and it would take 72 hours. 
I called back on XX/XX/XXXX and spoke to XXXX who informed me no one had even reviewed my documents call back, I also had to send a different utility bill which I did immediately. I called back on XX/XX/XXXX and spoke to XXXX and still my documents were not reviewed! I gave them a little more time and called back on XX/XX/XXXX and spoke to XXXX who lied to me and said they had n't even received my documents which I had been told they had. She would n't let me speak with a supervisor and I asked for corporates number and she gave me a bogus number. I called back immediately and spoke to XXXX who got me a supervisor to speak with named XXXX, at this point I am so FRUSTRATED, he was of no help except to say he would counsel XXXX. 
On XXXX XXXX I called back and spoke to XXXX and then XXXX a supervisor who told me he was typing in an IM and I would be verified that day, half the day went by and no call. I called back and spoke to XXXX, XXXX and then XXXX, XXXX was a supervisor in Fraud and extremely rude and I WAS NOT VERIFIED. 
I got tired of calling ( although there are MANY others I spoke with ) and now they are calling me because I got my lawyer involved, everyday they are saying something new, your license was n't dark enough so send another fax, the utility company would n't speak to us without you on the line ( I got them a letter ), I took care of every issue but they waited and waited to tell me things. I told them all my personal information had to be shredded when they were done with it. 
I must have talked with XXXX plus representatives and supervisors all of which harassed me like I have never known! 
XXXX was one of the last supervisors in Fraud I spoke to that told me after I spoke to XXXX-XXXX people in the same day that said I was verified finally after two+ weeks they would send an email confirmation with a XXXX balance that they " do n't do that ''! I got into a heated argument with her, she was off the chart rude and out of line, so I wrote a letter to my lawyer and faxed Citi a copy and low and behold the next day I got an email confirmation. BUT in it they state I will be responsible for any charges???? How is this possible if I NEVER received the card as I told them? I wrote to their ethics committee and their corporate office, have n't heard back from either? 
This company is bogus and handles client issues in a very strange and unethical way. I fear for my identity being stolen at this point.
A mailer was relieved stating that XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, IN XXXX has a Sport Credit Card account number ending XXXX. XXXX has no such card. The mailer originated from Synchrony Bank, XXXX FL. The bank was contacted to investigate this unknown acct. We were transfered to XXXX different dept which insisted that we provide the Social Security # in order to help us. As we did not want to give out private information we were hung up on without any kind of resolution. As far as we know, they have an open a count in XXXX ' name that they will not assist us in the investigation of a fraudulently opened account
I received a phone call from one of my past colleges ( XXXX XXXX XXXX College ) notifying me that I had loans that were close to defaulting. I had never elected loans and had not been aware of any student loans in my name. I got in contact with the loan provider and found out that there were 12 loans in my name totaling nearly {$30000.00}. I made two payments soon after the initial phone call totaling {$2000.00}. After seeking advice, I mailed the Great Lakes two letters requesting copies of the loan document ( s ) and proof that I had taken the loan and requested that my credit score be restored due to being unaware of the loans. The letters were dated XX/XX/XXXX. 

On XX/XX/XXXX, Great Lakes provided a copy of the loan document. The loan document bore a digital signature, providing no proof of the identity of the person who took the loan. The document listed my name, but was missing all other personal information ( birthdate, social security number, and driver 's license number ). Furthermore, the document did not suggest that I would have ever received any communication regarding the loan as the document listed a mailing address, email address, and phone number that were not my own. 

Legal counsel was sought and I am mailing an additional letter to Great Lakes in response to the loan document provided. I am requesting a response from Great Lakes within 30 days of receipt.
My Experian credit report displayed an address at which I 've never lived. XXXX XXXX XXXX XXXX, ma The only place in XXXX at which I 've lived is XXXX XXXX XXXX XXXX ma. That was over ten years ago.
Enclosed I have XXXX medical Bills that was file in our Bankruptcy Petition on XXXX/XXXX/2015, and we are still receiving debt collector letters. 

Our bankruptcy case # XXXX XXXX District of Florida
Synchrony Bank took funds out of my checking account with my consent. This is causing me to go without money for me and my family of XXXX for over two weeks. I can not even feed my children due to them taking out money without my consent. I understand that I was late in my payments due to my job loss, but I had never agreed nor had a monthly payment reoccurring plan set up with them. How did they get my bank account information? Is n't that theft and fraud? I am still struggling and plan on making payments to them but how can they get away with this.
I took my XXXX year old son to a XXXX XXXX medical center and I provided a legitimate form of payment. They attempted to file a claim with the insurance provider and the claim was denied XXXX which I found out when I started investigating the collections report on my credit report ). They claim to have sent statements to my home address. I did not receive any. I was never called or notified that this would be sent to collections. 

Now my credit report is reflecting a collection action of which I had no knowledge until it was on my credit report.
XXXX XXXX Nelnet, Thank you for the response. Now you are stating that these are tactics and this is fraud, but did not provide any information requested by affidavit ( commissioner of the court ) to prove that this debt has indeed has not been paid. Are you stating that the law HJR 92 IS FRAUD? Are you stating that these options of ACCEPTED FOR VALUE and exemption is FRAUD? Please provide the REAL STATEMENT OF ACCOUNT that will show you that this IS NOT fraud and your company is committing fraud and this has been paid. I am not afraid of the law and a commercial lien will be filed. Now you have attached a contract ( NOTHING WITH YOUR NAME OR COMPANY NAME ON IT THAT SHOWS I CONTRACTED WITH YOUR COMPANY ) nor did you attach your jurisdiction are the full statement of account on the private side to prove this debt. All these items have been requested from your company because my student loan is closed on my credit but was apparently sold to company and that contract was requested as well. You are a collection agency and again are no where listed on my loan. Your company did not loan me anything. Have the company that is listed on the loan to contact me or show me your jurisdiction contract with the company and lets see who the fraud is. I attached the still existing law that states what FRAUD is. 
1. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation between the debtor and NELNET to pay debt collector which will give your company jurisdiction to report this debt on my credit. Please mail are attach all requested information by affidavit that has been sent to your company, with the AUTHENTIC statement of account.
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, AZ XXXX was substituted as a Trustee and has filed a Notice of Default in the XXXX County Records with fraudulent and altered paperwork in order to " steal ''. They violated Pen C 131 and 134 which is a " felony ''. They are as well violating the FDCPA 15 U.S.C 1692c as they are debt collectors and are liable for this. The Lenders have not noticed us that they are the party authorized to take this action. The attached memo trying to satisfy that they have satisfied the Declaration of Mortgage Servicer Pursuant to Civil Code 2923.55 ( c ) is fraudulent as they have not tried to contact us and have had access to our council. This was attached by Nationstar Mortgage LLC and signed. The substitution of Trustee is based upon XXXX " fraudulent '' recordings on behalf of the XXXX XXXX which closed as the XXXX indicates where attempted recordings to the Trust were made 8 and 10 years after the Trust closed. The Trust violated the the IRS tax exempted status. XXXX XXXX XXXX has not sent any mail notifications that they are involved. 
County recordings show that XXXX XXXX XXXX as a debt collector attempted to extort {$140000.00} due by XXXX/XXXX/XXXX while the recording was dated XXXX/XXXX/XXXX.
this debt is over seven years old since it was delinquent. It needs to be removed from my file
I am submitting this complaint about experian and XXXX XXXX XXXX. I have this account " XXXX XXXX XXXX '' reporting on my experian credit report that is a result of fraudulant charges. The rep I just spoke to at experian did a 3 way call with XXXX XXXX  XXXX to finally try and resolve this issue however I was told that it might be too late to report this card as fraudulant charges made on it and I need to contact the fraud dept and or the collection agency. I explained that I spoke to the CEO for XXXX XXXX XXXX XXXX XXXX and it was agreeded upon to remove this account off my credit report. XXXX had finanilized there investagation and it was removed off my report however experian will not delete it nor will XXXX XXXX XXXX. I was suppose to be mailed awhile ago fraud forms to fill out but never received the forms. Now I am being told it might be too late or I might have to settle the debt with the collection agency. I explained to the rep at XXXX XXXX XXXX " XXXX '' that I am not going to pay for something that I did not purchase. That 's not right. She explained to give them a call. I asked what if I am told the same thing that it 's too late to report these charges as fraudulant?. I am left with this debt reporting on my experian credit report and again that 's not right because it is affecting my credit score for something I did not do.
The following agency is not bonded in the state of Texas, and can not legally collect debt. Please remove from my credit report and confirm that debt is not owed.
Third part debt collector do not have the authority to collect this debt on behalf of the original creditor. I have no contract with the collection agency and I have never received any benefit from the collection agency regarding this debt.
I paid off my mortgage with US Bank on XXXX/XXXX/2016. I was tolt that it would be a few weeks before an escrow refund would be processed. After not receiving the refund I called US bank on XXXX/XXXX/2016. They informed me that the refund was processed on XXXX/XXXX/2016 and that I should wait a bit longer for the check. I called back a week later and again informed them that my check had not been received. This time they informed me that they could not issue another check until after 30 days and that if they did, I would have to pay a fee to have them reissue the fee. It was my responsibility since they " mailed the check to the right address. '' This is an unfair practice since every mortgage payment that is mailed to them is the responsibility of the customer until they receive the money. If I mail them a check that " gets lost in the mail '' I not only have to pay the stop payment fee but I would also incur a late fee on the mortgage. The bank should be held to the same standard of responsibility that they hold the customer to. I have informed the bank that I do not have the check and they have an opportunity to stop payment to avoid fraud. I expect that if someone else were to intercept the check and cash it fraudulently I would be out the money or, at least, bear the sole burden of proof that it was n't me. This is also inappropriate given that I already notified them of failure to deliver within a reasonable timeframe.
Coinbase rep, XXXX has been being an XXXX to me. They require a photo id when adding cards to their system. He seems to think that their policy trumps federal government guidlines. I was unable to do so because their system was not allowing it, whatever I tried. He has the last XXXX of my ssn in his system. I am unable to do much without a good working phone. Explaining that to him, was just like explaining that to a brick wall.
On  XXXX   XXXX  I,  XXXX   XXXX   XXXX  sent to  XXXX   XXXX  the amount of {$700.00}. Plus the moneygram fee of {$11.00}. The ref # is  XXXX . When  XXXX  had issues receiving the funds. I was notified. I have gone to the location I made the transaction at, as well as call multiple times.  XXXX  has also called many many times as well. I can not get a refund and  XXXX  can not get the money. I can not get any results from moneygram. I am taking the next step. I will also be in contact with the Texas Dept of Banking today also
XXXX XXXX. sent a " collection '' letter to me dated claiming that they have acquired from a creditor named XXXX  XXXX and that I " owe '' a total of {$1600.00} due immediately. I made contact with XXXX to inquire on this debt as I have never had an account with XXXX  XXXX, Have no idea who XXXX XXXX even is and I do not claim this debt as my own, nor does this show on my credit. The male that answered the call was disgustingly rude, read me all of my PPI and flung profanities at me saying he did not care what my profession was and didn't care that I was disputing this debt and that he would get this money one way or another and hung up on me. After reviewing reviews over this company is has come to my attention that they attempt to scam people often and I hope they can be stopped before a naive person sends them the money they are requesting and may not owe.
Co signed auto loan, person passed away, car was in her name, but I was paying loan all along. Try ed numerous times to have car put in my name so I could register and keep car. They could not help me. I try ed everything to keep this vehicle but it was not in my name. They asked for me to sell car, impossible Not in my name!! Did everything possible to have vehicle transferred to my name with not success just frustration. Could not keep paying for a car that was sitting in my yard, not registered, not being able to register and not being able to use. # XXXX. {$2900.00} # XXXX. {$1200.00}. Date as of XXXX-2004, This debt is 13 years old, should be removed
I reviewed my credit profile and I noticed that there are several items reporting that do not belong to me. These items are reporting either in error or as a result of identity theft. I have sent letters to the credit agencies informing them of this matter and they still have not corrected the matter. 

The following items that are reporting in error : XXXX  Wireless Account ( result of identity theft ) There are late payments showing on XXXX XXXX XXXX XXXX XXXX ( I was never late on these accounts ) Names : XXXX Addresses : XXXX XXXX XXXX XXXX There are unauthorized Inquiries reporting : XXXX ( 2 Times ) XXXX XXXX ( 4 times ) XXXX XXXX XXXX XXXX XXXX XXXX ( 9 times ) XXXX XXXX XXXX XXXX XXXX ( 2 times ) XXXX ( 2 times ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 3 times ) XXXX XXXX XXXX  ( 2 Times ) XXXX XXXX XXXX XXXX
I got an alert on from my XXXX  Credit Bureau stating that there was an account that went into collection on XX/XX/2019 {$450.00}. I reviewed my credit report and seen that it was Phoenix Financial Services I sent a Validation letter certified mail on XX/XX/2019. Debt Validation Letter was received via Certified Mail on XX/XX/2019. On XX/XX/2019 and XX/XX/2019, I received 2 more notifications from XXXX  that Phoenix Financial Services has flagged my account as Collections. On XX/XX/2019 I received a letter from Phoenix Financial Services which was a bill and not validation. Phoenix Financial Services has not sent me anything validating the debt.