WillisBack/dataset-financial-user-claim huggingface dataset:
For 4 years we have been sent to collection agencies for a bogus debt. This is either for XXXX or XXXX. I believe it is both, I had no contract with A XXXX XXXX XXXX at the time of dissolution and returned all equipment to XXXX when we moved in 2013. I have called, written letters to no avail. I owe neither of these debts.
In  XXXX   XXXX , I purchased a  XXXX   XXXX   XXXX  and  XXXX  van after my previous car was totalled in a accident. I had a remaining balance of a little over {$2000.00} after insurance paid. So that remaining balance was transferred over onto my new loan. I was told that my payments would be close to {$400.00} each month until the remaining balance on the other car was paid off, then my payments would be lower. Within  XXXX  hours of having the van i heard squeeking and crackinf noises and called the next day to bring it into the shop. I was told by the service  manager that new parts had been placed on the car and that w as the problem so I dealt with the noise until it became unbearable and after multiple trips to the shop and my thermostat going out after afew weeks of having the van they told me what was the real problem. So I paid and had {$800.00} worth of work down. Then I decided to take a trip out of town and halfway there my van started making crazy noises and finally broke down while I was in Texas. I was stranded there for  XXXX  while things like my waterpump, tension belt and alternator we fixed. Since I 've had this vehicle it has broke down on me  XXXX  different times and I have several tows. I called afew months into my loan agreement after being without transportation the second time if i could just give them the vehicle back without penalty and I was told if i missed any payment regardless if i parked it back on their lot they would sue me for the remaining balance.   XXXX   XXXX   I was driving a my tv in my passenger headrest began to smoke and i pulled over on the interstate and pulled my kids out of the car because my rug near the passenger seat was on fire. I took the car into the shop the next day and was told that there was nothing they could do but disconnect the wires because the tvs had been installed by a previous owner and it wasnt covered under warranty. I have tried multiple times through various dealerships to trade this vehicle in and no one will take a car that is worth {$1500.00} and still has a {$8000.00} remaining balance on it!! I can not afford this bucket of bolts anymore and now the warranty is about to expire.
I lost my job last XXXX. Navient put me in deferment. Ive been in regular communication with them, they wouldnt offer income-based repayment, said the lowest was $ XXXX/mo. Been trying to reach them since I started a new job last month. I cant get through to a person. Last night, I received a certified letter that theyre going to take me to court if I dont respond by XX/XX/XXXX. Ive been calling the number in the letter and every number posted on their website this morning and none of them work. I can get no further than the 3 prompts. When you select to remain on hold the message replays, if I select to leave a message, the prompt message replays. If I select star for the main menu, the prompt message replays. Its been 2 hours now and I have had no luck. I believe they are nothing but fraud.
Im asking this institution to do an investigation to this LJ ross, for sending me the letter which I never knew, that I owed them, this is fraud and un fair to a consumer like me, because I never late in my dues, I know that you are helping a lot of clients, and I never had a problem with my credit, my XXXX XXXX went up, when I never knew that I owed this company. 

Hoping for your kind consideration to this matter, Respectfully yours XXXX XXXX XXXX female
In XX/XX/2006 I moved out of XXXX and moved to XXXX  ever since. Portfolio recovery LLC has been calling me non stop every week 2-4 times a week from different numbers harassing me over a debt occurred over a decade ago. Ive told them there is no way Im paying it, its too old and its not even on my credit report leave me Alone. Thats was over a year ago. They are calling from random out of state numbers and I block the number. They repeated phone calls started about 4 years ago every week 2-4 times a week while Im at work while Im in meetings taking a even on the weekends. Please stop these harassing tactics and let this single parent, XXXX veteran, struggling to meet ends meet living paycheck to paycheck with out any child support, live in peace. I have already cleared my name and all my debts.
In 2014 opened a Chase Amazon credit card account. I never verified the card or used it. When I call chase to close/delete the account they do not recognize the card number or tell me that hey do not have access to the account.
Yet, if I apply for a new Chase Amazon account, Chase sends a letter saying I have one and decline the request.
The clearly have a quality control problem. I want account no. XXXX XXXX XXXX XXXX  closed/deleted/purged forever, and chase provides no method to do that.
All Three Credit Bureau 's are reporting inaccurate information regarding The " XXXX   XXXX XXXX '' Loan, on several occasions I have asked for this issue to be resolved and to no avail the issues Have not been fixed. The issues of inaccurate reporting are wrong loan balance the credit bureaus are reporting ( XXXX ) The Correct amount is (  XXXX ) and they are also reporting this account as Delinquent ( 90-119days ) this also is inaccurate reporting. The account is current I have contacted them in XXXX, XXXX and XXXX but i keep getting the response from supervisors.i also have provided hem with evidence that the account is current
I received a cancellation of debt notice and I see that the debts are still appearing on my credit report, I have it understood that since I received a XXXX I am no longer liable for these debts.
I signed house purchased contract with NVR Home in XX/XX/XXXX and got approved loan from NVR Mortgage in XX/XX/XXXX. At the time the expecting delivery date is between XXXX and XX/XX/XXXX. I decided 20 % down payment. However real settlement date is XX/XX/XXXX and I was able to save more money for down payment. On XXXX XXXX, I email Sr. Loan Processor XXXX XXXX XXXX that I want to increase down payment. He referred me to Loan Officer XXXX XXXX XXXX. XXXX XXXX called me, so I do n't have written record, that I have to extra processing fee in thousands by rough estimation. The better option is to recast afterward which is free in XXXX times. I took the offer. 
In XX/XX/XXXX, my loan was resold to XXXX XXXX. 
After I sold my old house, I call XXXX XXXX, XXXX XXXX XXXX for recast. 
She said that I have to {$500.00} fee. I told her that this is my XXXX recast and it should be free. She said that she had to check with previous mortgage and asked contact information. So I forwarded NVR Mortgage loan officer contact information. 
Several days later, she emailed me that I have to pay {$500.00} and asked me contact NVR Mortgage. I emailed XXXX XXXX and he said the charge is at discretion of mortgage company and denied he said it 's free. 
I had no idea what is recast until he mention it. Had he said it 's not free, would n't I chosen pay higher down payment? 
I feel being deceived. Both mortgage companies are benefit of charging me more.
My identity has been compromised inwhich resulted in fraudulent accounts being opened in my name. Im requesting that the following account, XXXX  {$10000.00} be removed from my report. I have challenged this before but never thru these channels, hoping this time it be removed, or supported by physical documentation to valid the claim. If not then this account shall be removed immediately.
I am a victim of identity theft a nd National Credit System is tryin g to collect on the debt below that is not mine. I have asked that the debt be validated per the Fair Deb t Collection Act t wice via certified mail with no respons e. National Credit System c an not provide my signature for this debt as afforded by federal law per the Fair Debt Collectio n Act. National Credit Systems   XXXX   XXXX   XXXX   XXXX , Georgia  XXXX  RE : Account #  XXXX /Balance : {$220.00} /Original Creditor :  XXXX  on  XXXX   .       National Credit Systems  has failed to provide the following information needed to validate this debt : Proof I agreed to this debt with my sig nature ( s ) Proof the amount you are claiming is correct and legal, which will require all statements and payment history from the original creditor Proof this account is within the Statute of Limitations and has not expired Proof you are the owner of this account, which will require the contract and terms between you and the origin al creditor Proof you are legally licensed ( b onded and insured if applicable ) to collect this debt in my state For verification purposes, I will need your business license number ( s ) If signatures showing where I agreed to this debt can not be provided, I am not liable for this debt and this information should be removed from my credit profile immediately. If National Credit Systems can not comply with federal law, I will have to contact my state attorney general with all co rrespondence.
Hard inquiries by Equifax Mtg on XX/XX/2017 listed on my credit report and my wife 's credit report. We have no recollection of giving permission for these inquiries.
My husband is constantly getting phone calls from his cell phone and his work phone from these people trying to contact us about our car payment. We know we are behind but we are doing the best we can to catch up
I am requesting for the last time with this notice that the following inaccurate items be DELETED from my credit report. XXXX XXXX XXXX XXXX ( AUTO ) XXXX XXXX, 2010 XXXX, XXXX XXXX, XXXX ( COLLECTION ) NOT MINE the items are not correct result of ID THEFT and are causing me financial distress because of their derogatory information. Appropriately, I can show a judge at XXXX County OHIO that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items correctly. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. If this final request does not prompt you to conduct a proper investigation of the accounts in question, and send proof to me of said investigation, how it was done with who with contacts actions I will file a civil suit in XXXX County Against Transunion if no results for damages. I take my credit very seriously and your lack of proficiency and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. I standby the right to sue your credit bureau for violations of the FCRA and I believe I can prove to full extent, that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process further. I am irritated at your indictment and I have consulted with the court my rights in regards to my credit file. I look forward to your expediting my original request immediately. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. This is NOT a request for " legalization '' via E or evidence of my mailing address ect, but a demand for AUTHENTICATION made pursuant to my Precise name Date of Birth Social Security Number and correct address current XXXX XXXX XXXX XXXX XXXX OH XXXX accordance with section of the Fair Debt Collection Practices Act. Or I request this be Deleted with immediate effect. I am also requesting the names, addresses and telephone numbers of individuals contacted or going to be contacted during this time with my signature. Absent such proof, you must correct any erroneous reports of these as mine. Please evidence your endorsement under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. What is your authorization of law for your gathering of information? What is your authorization of law for your collection of this supposed debt? Please evidence proof of the alleged debt, including specifically the alleged agreement or other instrument bearing my signature or authorization. 
Consent to publish the description of what happened? Consent provided
XXXX collections are from the medical field.I have contacted my insurance company to find none of these claims were filed correctly I have XXXX ( national association of letter carriers ) and my wife has medicare all these were for her treatment not mine. Her primary insurance is medicare XXXX XXXX. These companies representing collections is incorrect information Medical companies do not know how to bill. the largest amount is XXXX which was an ambulance ride for my wife medicare pays full amount we owe all XXXX collections are inaccurate filed incorrectly
About 3.5-4 years ago I contacted XXXX to inquire ways of avoiding delinquency as I was going through a series of personal events - my father XXXX, was going through a divorce, had a XXXX  child and the real estate market bubble ( I was a XXXX ) had burst. I was told on different occasions there was not much to be done as those were n't strong enough reasons and or pushed to terms that I was n't able to afford. 

My credit suffered tremendously due to the delinquency. I have tried numerous times to come to terms with XXXX and have asked them for help, but have received none. 

It came to light that I was n't the only one and that a lawsuit is pending because of the same practices I experienced. I am hoping this time I am able to get some relief and have the multiple 90 and 120 days late deleted - at least the most recent ones. Last late payment was 44 months ago.
Ocwen reporting mortgage is 120 plus days past due, account is current and in good standing
About three weeks ago, I went to a wells fargo bank in XXXX to open a new checking account besides the one I already have. I did that. I was told that the account has been created successfully, and I should be receiving a new card within 7-10 business days. It 's been more than 20 days, and nothing is received. I am not even worried. I happened to go to the branch the other day, and check on the status of the card. I was told that I had to provide further information, namely, ( Apt number ), which I then did. Next, the banker told me that your card will be mailed out to you soon. So far, no stress and everything is cool. I walk out, and next day, which is literally this day ( Friday ) I try to buy some food using my debit card, but could n't. Debit Card was never accepted by all machines. Things started to get weird! I then tried to get some cash via an ATM, however, it kept declining the transactions. I then went straight to the closest bank branch, which is at the University XXXX. I was trying to explain what 's going on, and understand the problem, yet bankers -including the manager- were being too unhelpful. I told them that I could n't use my debit card, and .. so forth and that it keeps getting declined, so they asked for an Id. I showed them my University ID, as well as an international valid driving license. They did n't however bother to check onto my account, and yet insisted to see my passport, which I obviously did n't have at that point, nor was I able to go get either. I was frustrated because I was not even able to afford for a taxi to take me back home, so that I can get my passport and fix the issue. I never held cash on me. I felt condescended. I got disappointed, and walked out. I tried to call the bank thinking they my be of a help. Lucky I was, at least was informed what the problem was, which totally ended up being unpleasant. After verifying of my identity, they told me that my debit card has been deactivated. And the reason is because another card will have been mailed to you. My answer was Seriously?? It just does n't make no sense to deactivate all my working debit cards ( XXXX ) because you are sending me another one for another checking that has not even been received, and without any temporary cards! Simply, I have been blocked out of my accounts. I was no longer able to get any money out of my money just because of that! I could n't use the card, and I could n't do anything else. Apparently, on an email I received from WELLS FARGO the other day saying that my, supposedly, previous card will not be deactivated until the XXXX/XXXX/15 which completely disagrees with all the actions taken. They deactivated XXXX working cards that are, nonetheless, associated with a different checking account. It 's too frustrating to see carelessness prevents you from using your own property and own money.
Experian maintains a " blacklist '' of consumers it will not allow to access their credit disclosures online. This " blacklist '' maybe be punishment due to a consumer previous filing a CFPB complaint against Experian and / or it may be to generate increased revenue by forcing consumers to pay for additional disclosures since while denying access to disclosures for dispute purposes, if one pays they will allow the individual online access. On XXXX/XXXX/2015 I obtained a free FCRA copy of my Experian disclosure online. Experian specifically allows consumers to view their disclosure again in the near future also online by entering their report number. However, Experian refuses to allow me to view my report again for purposes of disputing a multitude of items that Experian is reporting incorrectly. Instead, if I want to dispute online I must pay {$12.00} to purchase another copy of my Experian disclosure online. I have previously phoned Experian and they have informed me that I am in indefinite " special handling '' as " punishment '' for having filed a previous CFPB complaint against Experian. Experian in their response will state that they have security measures which dictate when online access is given. Experian, in my case, is a liar. If security measures result in not being able to dispute online, then why do these same security measures not prohibit one giving Experian money and obtaining their disclosure to dispute online. Experian is simply retaliating against me and countless others who file CFPB complaints against Experian.
On or about the last week in XXXX XXXX, I called XXXX to pay my XXXX XXXX Bank collections in full. They referred me to the Law Offices of Mary Jane Elliott. I called the law offices to obtain the payoff balance which was {$600.00} and made arrangements to pay it in full by XXXX XXXX XXXX. On Friday, XXXX XXXX XXXX, I called the law offices of Mary Jane Elliott and made a phone payment in full via my checking account in the amount of {$600.00}. The deb collector on the phone told me that a lawsuit had been filed, however, I had not been notified or served and she stated that the lawsuit would be dismissed and I would receiving a paid in full letter and also documentation that the lawsuit would be dismissed and removed from public record. 

Throughout the month of XXXX, I have been receiving daily robo calls from XXXX attempting to collect on this paid in full debt. 

Yesterday, XXXX XXXX, XXXX I pulled my credit report. XXXX is still reporting this debt as outstanding with a {$55.00} balance, even though it was paid in full on XXXX XXXX. 

Today XXXX XXXX XXXX, I called the Law Offices of Mary Jane Elliott, and was told that my account was paid in full. However, they have not dismissed the lawsuit and the rep on the phone refused to give me a time frame in which they would dismiss it. She said they would not vacate the judgement. She also said her office would not be sending a paid in full letter. 

I am reaching out for help because XXXX has been in trouble with government and CFPB before for unfair debt collections practices. This is a debt that was paid in full that they are still attempting to collect on, which is negatively impacting my credit. 

Both XXXX and Law Offices of Mary Jane Elliott ( which is just a shell company for XXXX ), need to be held fully accountable.
Chapter XXXX bankruptcy is invalidly reporting on credit bureaus have contact them to get it removed and all three major credit bureaus refuse to remove it. Along with bankruptcy the following accounts need to be removed : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX these are not my accounts they are on my report as a result from ID Theft ; credit agencies also have copy of police report and ID Theft Report # : XXXX.
There is an amount that is appearing on my credit report from XXXX XXXX XXXX with account # XXXX for XXXX XXXX. I have never done business with either of these companies. I need company to provide me with written contract or deal that I sign with them or otherwise please have this remove from my credit report.
transunion said the debt was verified, no change ... .but i never received verification of this debt being mine, i have no knowledge of this debt being sent to collections, and never had a chance to dispute this account before being reported to my credit report
I have been on an IBR ( income-based repayment ) plan with Nelnet for the past few years. Since XX/XX/XXXX, my monthly payment has been {$580.00} month. In XXXX, after submitting my annual required application, despite no increase in income in XXXX from XXXX ( just a change in payment frequency from every 2 weeks to bimonthly ), I was informed that my payment would be increasing to {$620.00}. When I called to inquire about the justification behind the sharp increase, I was told by the customer service representative that my payments should be actually in the {$400.00} range after I provided him with my income from my pay stubs. He advised that I send him my pay stubs by fax in lieu of my tax returns that I previously submitted through the automatic data import process to have it correctly calculated. I did this and when I saw no update to my bill, I called again to check the status. I was told by that representative that I shouldve also submitted a new application, but after giving her my salary info, that she was calculating a higher payment than the original {$620.00}. As this wasnt my intention, I asked her to leave it alone. 

So it was to my complete surprise that the next bill I received ( in  XXXX ) increases to the amount of {$650.00}. I called back to inquire and complain and was told by another representative that my bill should actually be over {$700.00}. Due to her rude attitude and insistence on cutting me off rather than listen to my explanation, wrongly insisting that I made more money than the year before ( although I clearly did not ), I asked to speak to a manager to get the issue resolved. This manager said he found the problem in the previous calculation and according to his calculation, my bill should be reduced to about {$580.00} and said he would resubmit to underwriting. So again, it was to my complete surprise when my payment instead increased to {$640.00}!

When I spoke to this manager again, he apologized and said that the {$640.00} must be the correct payment amount. So despite my not having an income change, my bill increased by {$65.00} within one year.

Throughout this process, I spoke to 7 different people who all gave me wildly different calculations based on the same salary. I dont understand how this is possible. If Nelnet dont have a proper formula or their customer reps arent trained to make calculations ( one of which is evident ), they should not!!! It is unfair to me as I feel that the first representative who incorrectly told me my payments should be in the {$400.00} range misled me and resulted in a greater increase than what I was already being charged. Calling them only hurt my situation further, and honestly I am scared to ever call them again because I feel taken advantage of by them and at risk for undue and incorrect increases just by doing so. I question if this practice is intentional to try to force increases from payers. 

Note : My other federal student loans serviced by XXXX, only increased by {$10.00} in XXXX with the IBR. This makes more sense and better aligns with my payment schedule change, so I simply dont understand how Nelnet can justify their sharp increase.