WillisBack/dataset-financial-user-claim huggingface dataset:
I called  Navient  after receiving a collection notice. I explained that I was a co-signer and that I was unemployed and that after more than 15 years paying for {$8000.00} they should just wiped it out. I called from the neighbors house and now they are harassing her. I emailed them and included my mailing address and they wrote back saying the following : Hello  XXXX , We are unable to assist you with your request via email. However, we are happy to discuss your account over the phone. Please call us at  XXXX . Were available Monday Friday  XXXX    XXXX   to  XXXX    XXXX  , and Saturday  XXXX    XXXX   to  XXXX   XXXX , ET.     Sincerely,  XXXX   XXXX   Navient This is  an attempt, by a debt collector, to collect a debt and any information obtained will be used for that purpose.     -- Original Message -- From :  XXXX  XXXX  XXXX  Date :  XXXX / XXXX /  XXXX    XXXX    XXXX    To :  XXXX  XXXX  XXXX  Subject :  Re  : Updated Contact Information Needed Dear representative, I hereby request a Cosigner release form. I 've been unemployed for the last 6 months and my unemployment is about to cease. I will have no income withing the next couple of weeks.     Please send a release form to :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  I want them to send me a release form. Please help me with this
I applied for a XXXX XXXX and XXXX card on XX/XX/XXXX. I was told that I would receive a letter in 7 to 10 business days. When I received the letter I was told to call and verify my information. I called and was told I was approved for {$250.00} for XXXX and {$350.00} XXXX. So then I got a letter asking for a copy of my id, drivers license, and bank statement. I sent in the information Priority Mail which was {$6.00}. I called XXXX XXXX when it was delivered and was given an account number and told that I can go into the store with my social and they would be able to pull up my information. So I took my wife to go get some clothes. Imagine my embarrassment when I was told that the information was still not working. So they gave me a number and I called, XX/XX/XXXX I spoke with a supervisor who told my account was permanently closed because the id and social security were unreadable. But the supervisor advised he would give 45 more days if I could get in a better copy. So I took time out of my day to go down to the social security office and get a brand new social security card. Sent in the information AGAIN priority on XX/XX/XXXX another {$6.00}. Tracked and seen it delivered on XX/XX/XXXX. Called almost every day to commenity since then and was told no information was processed yet to give it a few more days. Give it a few more days. Give it a few more days. Called yesterday XX/XX/XXXX, was told by a supervisor in Idaho that the account was permanently closed back on XX/XX/XXXX and he could not reopen it. NOT ONCE was I told that when I called several times before that. I was told the information was not received. Now these 2 credit cards are reporting to my credit report as closed accounts and SIGNIFICANTLY dropping my credit score because that reflects bad on me. These accounts were never open to begin with so how can they be closed. I am disgusted with this company and extremely disgusted with the customer service I received. I spoke with several people who never told me once that my account was permanently closed. I gave the supervisor last night the tracking number to the information sent on XX/XX/XXXX and he too seen that it was delivered on XX/XX/XXXX. Why it was not processed I am not sure. But I want these 2 credit cards off my report! This is completely ridiculous. And completely unprofessional.
this debt is 10 years old and i believe it is being passed from one collection agency to another so that it stays on my credit report. I feel this unfair and this account should be removed from my credit report.
Company calls my cell phone and BUSINESS phone. Company leaves a voicemail on my cell but not my business phone. Asking to call back at XXXX regarding an urgent business matter or else. It does not list a company name and when I call the number back, the phone number is for a voicemail for Alliant Capital Management, XXXX XXXX.
I paid loan in full on XXXX XXXX, XXXX. Caliber Home Loans, XXXX XXXX XXXX, XXXX XXXX, Ok.sent me on XXXX XXXX, XXXX what was suppose to be the necessary releases to get lien released and get a clear title. I submitted request to Tennessee DMV with necessary documentation provided by Caliber Home Loans. DMV returned paperwork to me showing that a lien from XXXX XXXX XXXX XXXX XXXX XXXX , Ga. XXXX was shown as lienholder. I called Caliber and was instructed to contact the release dept. via e-mail. They would not give me a phone number. A copy of e-mail correspondence is attached. My primary complaint is that I was promised on XXXX XXXX, XXXX that Power of Attorney to get lien released would be mailed that day. I can not sell or trade motorhome with the release of lien.
In early 2013, I called Bank of America to inform them that I will not be making a payment that month and that I would like to close the secured credit card account. The funds would 've covered the entire outstanding balance due and the remainder of such should 've been refunded to me as I was informed by the representative. To add insult to injury, additional interests and fees were assessed to the account until it was " charged off ''. I came to know that the account was never closed as requested when I recently ran my credit report. I have made numerous attempts so that the situation could rectified to no avail.
Equifax is knowingly reporting false data to my credit report and allowing unauthorized people to make hard pulls on my credit report. They reported information as " verified '' that has recently been removed because the creditors verified they were not my accounts. Equifax has a responsibility to report accurate information and the inaccurate accounts need to be re-investigated and removed since the first " verification '' failed.
Transunion is reporting XXXX XXXX XXXX XXXX on my report. This account was written off by the hospital because I took sick at work and did n't have any health insurance XXXX. I explaioned to the hospital and they found a charity that helped me with the untimely expense. I explained this to Transunion and they refduse to remove this item.
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXXXXXXXX : your letter of XXXX XXXX, XXXX XXXX, Let 's make things perfectly clear, according to the CFPB, Federal Law and Regulations and RESPA, all cited below, your client Ocwen Loan Servicing LLC, OLS, is NOT and NEVER HAS BEEN Servicer of our mortgage loan. This means the Deed transfer engaged in by OLS and the XXXX XXXX TN Public Records changes by OLS clearly appear to be unlawful. 

The short version : In brief, the " Transferor '' sends a RESPA Notice notifying the mortgagee of the sale or transfer of the mortgage or servicing and that notice provides names and addresses, loan balance and account details, contact info etc. about the new servicer and this 'Transferor '' Notice is required to be provided to the mortgagee with no less than fifteen days prior to the new payment info taking effect. The receiver of the mortgage or servicing is required to send a " Transferee '' RESPA Notice usually within thirty days or so. The " Transferee '' RESPA Notice must contain the same RESPA details and info as the " Transferor '' RESPA Notice. 

What happened is XXXX XXXX XXXX sent a " Tranferor '' RESPA Notice with a signature date of XX/XX/XXXX that said new payments take place XX/XX/XXXX. This was the first violation of RESPA because XX/XX/XXXX was a XXXX day month and the notice was n't signed til the XXXX, therefore we did not receive our minimum fifteen day notice as required by law. 

The new mortgage company or Servicer, " Transferee '' Homeward/Ocwen XXXX KY never sent us a " Tranferee '' RESPA Notice as required by CFPB, Federal Law and RESPA but they accept and process our mortgage payments. This company has not answered any of our written inquiries. 

OLS sends a Notice dated XX/XX/XXXX saying that as of XX/XX/XXXX they are the new Servicer because XXXX transferred it to them and we must make our payments to Ocwen in XXXX XXXX IL. OLS refuses to provide us with a copy of their alleged PHE Transfer Notice and the data contained in their so-called Notice letter does not match any of the details in the XXXX " Transferor '' RESPA Notice that we received which is clearly inconsistent with the federal law, federal regulations and RESPA, therefore, case closed OLS letter to be ignored. 

XXXX XXXX sends us a Notice dated XX/XX/XXXX claiming they have had our mortgage since XXXX and we are to make our payments to Homeward Residential XXXX in XXXX TX. Since their Notice did n't match any " Transferor '' RESPA Notice we had received, cased closed XXXX XXXX letter to be ignored. 

As to your XX/XX/XXXX page XXXX where it appears that you claim mortgage companies can make all the false claims or so-called mistakes and errors they want and there are no penalties or safeguards for this and that those false claims or errors do n't require correction is for someone else to respond to, not us. Perhaps we misunderstood your page XXXX.
This is an official complaint against Bank of America ( BOA ) and its collection agency, XXXX XXXX XXXX ( XXXX ). On XX/XX/XXXX, I contacted XXXX by phone to amicably settle my debt with BOA. XXXX XXXX XXXX who is a Customer Service Representative with XXXX took my incoming phone call. During my recorded phone conversation with XXXX XXXX, I was " ambushed '' with a bombardment of verbal abuse, constant harassment, malicious acts of intimidation and a strong sense of retaliation all because I failed to pay my debt to BOA. Also, within the attached settlement letters of XXXX, I was subjected to several deceptive, misleading and unfair collection efforts as I 've indicated below : ( 1 ) On XX/XX/XXXX, I verbally asked XXXX XXXX XXXX of XXXX for a 30-day deadline of XX/XX/XXXX to settle my debt with BOA. XXXX XXXX verbally agreed but he ultimately denied my request in writing by unfairly punishing me with a same day deadline of XX/XX/XXXX. See attachment letter. ( 2 ) On XX/XX/XXXX, I verbally asked XXXX XXXX XXXX of XXXX to send me a correction settlement letter with a 30-day deadline date of XX/XX/XXXX, but he verbally denied my request and he vindictively gave me a deadline date of XX/XX/XXXX. See attachment letter. ( 3 ) On XX/XX/XXXX, I verbally asked XXXX XXXX XXXX of XXXX to send me a correction settlement letter with a 30-day deadline date of XX/XX/XXXX, but he rudely hung up the phone on me when I informed him that I would file a Federal Trade Commission ( FTC ) complaint against him and XXXX. ( 4 ) On my 4th attempt to settle my debt, which was also on XX/XX/XXXX, I verbally asked XXXX XXXX XXXX of XXXX to send me a correction settlement letter with a 30-day deadline date of XX/XX/XXXX. Fortunately, once XXXX XXXX learned that I would file a FTC complaint against XXXX, he quickly agreed to send me a correction settlement letter with a deadline date of XX/XX/XXXX. See attachment letter. ( 5 ) During my same above phone call with XXXX on XX/XX/XXXX, I repeatedly asked XXXX XXXX to make an amendment to the below listed 2nd statement that is located on the first page of my XXXX letter, but I was constantly denied. This following 2nd statement is extremely misleading and it clearly implies that I have to make a 2nd payment to settle my debt : " To accept this settlement offer, our office must receive the first payment by the date listed beside the initial payment on page two ( 2 ) of this settlement offer  notice. '' Please be advised that I repeatedly asked XXXX XXXX to make the following correction to the above quoted statement, but I was constantly denied : " To accept this settlement offer, our office must receive the first and final payment by the date listed beside the initial payment on page two ( 2 ) of this settlement offer notice. '' Clearly, BOA and XXXX has engaged in a conspiracy to bully, deceive and invoke fear upon me in order to aggressively collect a debt. These corrupt activities by BOA and XXXX is a direct violation of the Fair Debt Collection Practices Act.
LVNV Funding LLC alleged that I have a debt that is 9 years old ( last payment date was XXXX/XXXX/2006 - enclosed LVNV1.pdf ). I repeatedly told them not to contact me for that alleged debt. I have filed XXXX separate complaints with the Bureau of Consumer Financial Protection ( BCFP ) last year. LVNV promised not to contact me. Nonetheless, they established another company named " Resurgent Capital Service LLC '' and continue harass me with unwanted mails sent to my address.
I am a victim of identity theft. I have a fraudulent and unauthorized collection account and credit inquiries listed on my  XXXX   XXXX ,   XXXX   and Experian credit report. I been receiving death threats from   XXXX   XXXX   representatives. The following collection account is fraudulent :   XXXX   XXXX  ,  XXXX / XXXX / XXXX , Balance {$460.00}, the following credit inquiries are fraudulent and unauthorized :   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   XXXX   XXXX   XXXX   XXXX   XXXX
I 've been trying to get The Bank of New York Mellon to honor this agreement with your office. The Bank of New York Mellon and its attorneys have refused to offer me an affordable modification under HAMP, nor have they inquired as to my financial, qualifications so that I may stay in my home with my family. The Bank of New York Mellon never notified me of being in default nor have they sent any notice of acceleration. I have not received any statements as to who to pay from my original lender. The state court is fully aware the assignment is fraudulent ... because it was created and prepared by The Bank of New York attorney who is representing them in State Court. What is the purpose of the Consent Orders in XXXX, XXXX, if the people in which were mostly affected can not enforce or receive any benefits outlined by the Comptroller? What good is the Consent Order agreement if it is intended to be teeth less?
I purchased a home XXXX/XXXX/XXXX. The loan was with First Mortgage Corp. XXXX # XXXX. Approx. 
18mo later the company calls me to ask me for add documents because for some reason they can not insure my loan with FHA. I provide them with what they are asking for and then they have more Doc after that. We are good for 2years then I get a letter and mind you my loan is current not behind that because they can not insure my loan with FHA they are going to call the Note Due. They stopped accepting my payments and then Sold the company to XXXX XXXX with nothing for them to trail or refer to. I have not made payments since XX/XX/XXXX now and I still have not heard from anyone. 
I have no Notice of Default nor do I have a Notice to Sale. But I am not wanting to lose my home due to someone not answering my phone calls nor responding to me. I feel that I am being descrimin- ated against because I am a minority and I am in hopes and have been since XX/XX/XXXX trying to process a loan with another company but these 30 day lates are continuing to prevent me from having someone else help me get out of the current loan I am in. 
They will not remove these off my credit nor will they take payments from me, and are putting me in no other position but to sale or go into foreclosure. 
Please help me keep my home.
In XX/XX/XXXX I received a credit card bill from XXXX/XXXX XXXX with a charge of {$2100.00} I have never opened an account with this company or shopped at a XXXX. While it was addressed in my name and with my street address but the area was not put s the correct one.

I called XXXX XXXX  and reported the fraud. The gentleman I talked to said he would open the fraud case and they had a XXXX fraud liability. He recommended that I also alert the credit bureaus and report the identity theft to Identitytheft.gov. I did that and I reported it to XXXX, who also alerted the other two credit reporting companies, and enrolled in XXXX  to give me alerts and lock my accounts from inquiries. I didn't hear anything more back from XXXX XXXX so I assumed the problem was taken care of.

OnXX/XX/XXXX I received another statement from XXXX XXXX with another charge for {$2100.00} but with a different account number. I immediately called to inquire about this new account. After being transferred several times an account manger told me that they had denied my fraud case and that they had sent me a letter informing of that. I never received any letter from them denying my claim or any forms requesting more information. She then said they denied it because after the account was opened they received a call from a phone number asking for them to increase the credit line and it was showed as the same phone number I called from to report the fraud. She refused to give me the address or phone number of the actual XXXX  where the purchase was supposed to have been made and could only tell me it was in XXXX XXXX, which I have no idea where that is and she wouldn't even let me know what state it was in. Whoever opened the account clearly has all my information and according to XXXX  I would of been one of the people who was affected by the breech. I do not know how they managed to make it look like it was coming from my phone.

I originally thought that since XXXX XXXX  claimed they were doing the fraud investigation and I had already reported it to the Credit Bureaus and Identitytheft.gov that this would be taken care of by XXXX XXXX. They did not mention my phone number had also been compromised and since I never received any of the letters they claimed to send and their representative refused to be helpful and provide me with information of the purchase so that I could ask for records of their claims I don't see that they were carrying through with the fraud investigation as they were supposed to. I have updated my FTC report, filed a police report and I have pulled up my phone records from XX/XX/XXXX/XX/XX/XXXX. The only call to the bank number was on XX/XX/XXXXwhen I called to report the fraud originally.
I purchased a vehicle through XXXX XXXX in the state of Illinois. I payed off the remainder of my car loan in full this year in XXXX. I waited over two months to receive my title in the mail and did not receive nothing. During that time I was receiving calls from Westlake Financial stating that I still owed a remainder on my car loan. They had explained to me that XXXX transferred my account over to them but never why. I told them I had pay off the remainder of my car loan, so they asked for verification in which I had faxed over proof several times. Westlake Financial had told me they were going to send my title, they just needed verification, and that it might have been an error in XXXX system. Repossession has also been coming to my home trying to reposes the vehicle that is already rightfully mine. I still have yet to receive my title in the mail after I have faxed over proof to Westlake Financial numerous times, stating that there going to fix the situation and send me my title. Westlake Financial still calls to this day stating that I owe payments on my vehicle so the situation has not been taken care of.
XXXX ; XXXX and Transunion are reporting me as 30 to 60 days late on the XXXX XXXX account number XXXX and XXXX. This account reflects a {$0.00} balance and {$0.00} past due. This inaccurate reporting is harming my credit score. I have disputed this directly with the three bureaus but the error has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.
have opened Discover Bank online savings account. When I have a problem crediting opening bonus to my account, I contacted the bank and XXXX XXXX XXXX, was assigned to my case. While at the outset he was attempting to help me resolving the problem responding to my XXXX letter, he then suddenly stop communicating with me and I was unable to reach him on the phone. I have left numerous messages, all of which have gone unanswered. Then I sent two letters in XXXX and XXXX which brought no response. I entrusted all my savings to Discover Bank and I should be able to get help when I need one. I discussed my case with an attorney who has explained to me that Bank is contractually obligated to credit {$100.00} to my account. The bank had an offer an offer which provided for {$100.00} bonus when I apply for first online Savings account by XXXX/16 and depositing at least {$15000.00} by XXXX/16. I am only XXXX and I did not have much experience with bank codes in my life. The fact that I did not enter the proper code code is immaterial. The code does not affect the terms and conditions of the unilateral contract that was created when I opened the account and made the required deposit. The bank employee should enter a credit manually if my code was wrong. I otherwise complied with the offer, fulfilled all my obligations to qualify for the bonus, kept and continue to keep all my lifelong savings on my account.
In XXXX of 2015 I paid in full XXXX student loans I had with XXXX XXXX XXXX. 
On XXXX XXXX, 2015, I received a credit report from Equifax noting these loans were paid in full and no negative information was reported on these account. 
On XXXX XXXX, 2015, I received a noticed that negative information had appeared on my Equifax credit report. The negative information according to Equifax was reported by XXXX XXXX XXXX. 
I contacted XXXX XXXX XXXX who advised they had never reported negative information to Equifax reference my student loans. 
I contacted Equifax via telephone and correspondence reference the information received from XXXX XXXX XXXX and Equifax refused to remove the negative information from my credit report. 
I have included copies of my Equifax credit report from XXXX XXXX and XXXX, along with other various documents which show their negative entries on my XXXX accounts. 
I have also included correspondence from XXXX XXXX XXXX verifying my student loans were never in a late status nor reported as a late status. 
In addition I have also included a copy of all payments made on my XXXX XXXX XXXX loan accounts which also prove I never made a late payment on these account. 
Despite all of this information from the creditor itself, Equifax refuses to remove the false information they placed on my account. 

Any help or assistance with the tactics being used by Equifax is appreciated.
I have contacted XXXX, Experian, and XXXX on numerous occasions, both by phone and mail, and tried to have them explain to me how they are verifying these erroneous reporting accounts as accurate, and they always reply with, " we obtain our information from XXXX and the XXXX system for these accounts. '' XXXX and the XXXX system are NOT the original creditors to any of these erroneous reporting accounts, and their reporting should not be counted as " verifiable ''. If these 3 bureaus can not give me satisfactory information and provide me with written proof of the creditor they talked too with complete phone number, and written proof with the name of the customer service member that they obtained the information from, or written proof of the clerk of courts name and telephone number, and written proof that they talked with him/her, then they are in violation of FCRA 611 and MUST DELETE these erroneous accounts from my credit report!!! I am a litigious consumer, and if these accounts and hard inquiries are not removed from my reports immediately, I will sue these bureaus for violating my FCRA rights!!!