WillisBack/dataset-financial-user-claim huggingface dataset:
I received a debt collection notice on XXXX/XXXX/15 from XXXX XXXX XXXX XXXX XXXX for {$670.00}. I immediately contacted XXXX XXXX XXXX on XXXX/XXXX/15 by phone and requested an investigation into this debt because i had not had any services at XXXX XXXX XXXX. I also submitted a response to XXXX XXXX XXXX disputing the debt in writing with returned receipt on XXXX/XXXX/15. I received a response from XXXX XXXX XXXX on XXXX/XXXX/15 that stated " XXXX XXXX XXXX has determined that your dispute request is valid and has provided the credit reporting agencies with the corrected information. '' I also received a updated statement from XXXX XXXX XXXX on XXXX/XXXX/15 that I had a zero balance due.This collection account was removed from all credit reporting files. On XXXX/XXXX/15, I received a debt collection notice from XXXX XXXX XXXX XXXX XXXX for {$670.00} with the same acct # from XXXX XXXX XXXX. I submitted a response to XXXX XXXX XXXX on XXXX/XXXX/15 with returned receipt requesting another dispute investigation and that this debt did not belong to me. On XXXX/XXXX/15, I contacted XXXX and Transunion to disputed the collection acct. On XXXX/XXXX/15, I received the investigation results from XXXX stating the collection acct was removed. However, on XXXX/XXXX/15 I received the results from Transunion stating that the acct was " verfied, no change ''. On XXXX/XXXX/15, I submitted a letter to Transunion with all of my evidence of this collection acct requesting that the acct be deleted from my credit file because I have successfully disputed the acct with the creditor in XXXX and received a statement that I did not have a balance. Also, I stated that I had sent XXXX XXXX XXXX a written dispute on XXXX/XXXX/15 and they have never responded to my dispute request per the Fair Debt Collection Act within 30days. And therefore, XXXX XXXX XXXX has failed to provide the requested proof that this debt belonged to me and can not legally verify that the debt belongs to me without conducting the proper investigation that was requested. On XXXX/XXXX/15, I received the investigation results from Transunion that stated " New information Below '' the collection acct remained on my credit file with no change. I contacted the Credit reporting agency on XXXX/XXXX/15 to find out why the acct was not removed and was told that the information that I submitted was not sufficient even though this acct was already removed before and clearly this acct is being sold to different collection agencies after I have already disputed this acct properly received a statement from the original creditor of a zero balance. I have recently been denied in XXXX credit by XXXX XXXX due to a collection being reported on my credit file and this acct has continued to have a negative impact on my credit reports.
I got a loan from Spot Loan a few months ago and then lost my job, so ca n't make the monthly payments. For the past week I 've had a collection agency call me threatening to put me in jail saying the fact of Spot Loan not being able to ACH payments from my bank means I wrote a hot check. The call today was a lady saying I 'd be served on XX/XX/XXXX by who, I do n't know. I know my rights and they ca n't put me in jail for this. I 'm so tired of the calls that I 'll probably change my phone number.
Today XX/XX/2018 I tried submitting a dispute online with equifax. I answered all the security questions and put in the information they were asking for after all that an error message came up that I am unable to submit a dispute. I am submitting this complaint because there are a few accounts on my equifax credit report that do not have the correct balances. My XXXX XXXX  card is reporting more of a balance owed than what I actually do owe. Also my XXXX  XXXX accounts my balances have decreased by {$300.00} they are reporting with higher balances. I attempted to correct this but unable to get online to do so.
I defaulted on repayment of a credit card through XXXX XXXX XXXX. Received a court summons on matter. I called to arrange payments with listed debt collection agency. Their balance due ( after several payments ) did n't match mine, so I called them. They claim XXXX XXXX is charging me interest on balance. When I stopped making payments, my balance was approximately {$5000.00}. When account closed, balance was {$7100.00}. This was amount on court summons. I ca n't even bring up my old account online. I stopped making monthly payments on original credit account sometime in 2013. I attempted to call and make payments on the debt, but they always wanted repayment in full. I am now able to make regular ( every 2 week payments ) to debt collector mentioned, but do n't understand the high interest charge on a closed account.
Paypal has reported me late and I have made payments. They also call all the time. They bother me by calling over and over again. I have been a victim of ID theft and house fire and I need time to get back on my feet.
Naviant has put an extra {$30000.00} on my loan saying thay I owe a total of XXXX. Since they took over my account all they would do is put a forberance on not fully telling me they 'll be charging all these fees. I only have a two year degree from XXXX college. Navient and XXXX XXXX are robbing students who attended for profit schools.
My name XXXX XXXX, from XXXX XXXX. I want to make complaint about collection agency 1.Machol Jacques law offices out XXXX XXXX , XXXX XXXX out of XXXX. XXXX farmed my account to XXXX XXXX XXXX with garnished my wages amount of XXXX. We are selling my home, the title company says the debt is still unpaid. XXXX garnished my checking account too. I have pay stub showing agarnishment. I need letter from one or letter debt paid stat. Last ss # XXXX account # XXXX never forwarded the money Machol in XXXX. My home phone is XXXX. Need that letter.. thank you XXXX XXXX
I paid off my loan. Have not used the service in a very long time and someone has made attempts to log into my account fraudulently and gain access my bank account. The creditor is refusing to close my account after I have told them that there is someone attempting to log in. I keep getting emails from them saying someone is trying to log in. Its not me. I want the account closed. There should not be a reason they can't close it. I have no debt with them. They have no phone # to reach them at and the email or chat people say they can't do that. It needs to be escalated. I've asked for someone to call me and they said they do not have phones
In reviewing XXXX XXXX credit report, I found that first investors financial service corporation placed the incorrect balance amount along with the duration period of the false balance on my XXXX report. I currently have a pending investigation with CFPB open with their debt buyer XXXX XXXX XXXX, in which they requested 60 days to get the correct balance resolved. Within those 60 days, my first investor financial services credit report balance increased to the loan origination amount. ( indicating that my high loan balance was XXXX ) Please be advised that payments were made throughout the lifetime of my loan. It is basically showing I have n't paid anything. I had gap insurance, along with my car was sold at auction XXXX/XXXX/2014. None of those credits were applied. Based upon the consent order dated XXXX/XXXX/2014, first investor financial services was ordered to pay a XXXX XXXX dollar fine based inflating delinquency amounts. The only difference in this matter is first investor financial services was n't able to inflate my delinquency balance on XXXX and XXXX, they used XXXX.
Nationstar has me 60 days late when I have made more payments than I should have paid. They are showing me due for the XX/XX/XXXX payment, not only have I paid that payment, but actually I 've paid the XX/XX/XXXX one. Example : if there have been a total of 48 payment due since the modification, I have made a total of 49 payments, but they have misplaced two payments.
My car was broken into and my wallet and debit car was stolen. I found out it was broken into at XXXX XXXX   and by XXXX XXXX  I went online to canceled and close out the card and order a new one. it was successful. Then less than an hour later they allowed someone to use the card at more than 5 locations. It was only after i went into a branch several hours later to order a temp card that the bank rep asked me to review the charges and i discovered the 5 charges after i closed the card out. Then the bank ask me to wait a few days before i can make a claim and without use to my funds that they allowed to be stolen
On XX/XX/XXXX, my account went delinquent. However, I have been paying XXXX XXXX XXXX XXXX XXXX dollars a month every XX/XX/XXXX of the month since XX/XX/XXXX. I would like for the information to the reported correctly. I would also like for my credit to show that I am making payments instead of being listed as a " bad debt write-off ''. I am set up with XXXX XXXX to have my payment automatically withdrawn and I have not missed a payment.
Trans union is burying the link to a free credit alert, and instead, pushing their own service that costs XXXX XXXX has documented the changes to their website in the days after XXXX 's colossal XXXX-up. 

XXXX XXXX XXXXXXXX The actual link to free credit alerts goes down frequently, if it 's functional at all : https : //freeze.transunion.com/sf/securityFreeze/landingPage.jsp It 's one thing that XXXX can not manage sensitive information properly, and are not being held accountable, but now you have the other two rival vultures doing their best to further deceive and inconvenience customers to a maximum. 

WHEN WILL SOMEONE STAND UP TO THESE COMPANIES?
In XX/XX/XXXX I took a student loan out for my daughter a sum XXXX original lender was XXXX XXXX, three months later I go on XXXX and default. XXXX XXXX sold my account to XXXX. When XXXX contacted me the principal default XXXX, interest accrued {$4300.00}, other charges accrued {$34.00}, collection cost accrued {$140.00}, collection cost projected {$5900.00}. The loan exceeded a total of {$38000.00}. In XX/XX/XXXX I did the student forgiveness program with XXXX. XXXX told me to pay as low as {$5.00} a month, but I had to pay {$5.00} for 8 months I completed the program. two months later I get a letter from SUNTRUST asking me to pay {$400.00} every month to pay the student loan. I do n't owe SUNTRUST anything. I am afraid they are going to destroy my credit again.
I was helping a friend by co-signing for her residential rental. I obtained both our credit reports from Experian online as a requirement of the rental application. Online it says you will be charged {$1.00} for each report. I thought I was only paying {$2.00} ( XXXX for each report ). Then they started charging my credit card monthly for ongoing monitoring that I was unaware I was signing up for. Unfortunately I did not notice right away. It was {$21.00} x XXXX for myself and my friend. I finally had time to call Experian and they said in fine print when you order your {$1.00} credit report you are automatically signed up for monthly monitoring for your lifetime unless you cancel within 7 days. I am a XXXX so am not stupid. I did n't see/notice this fine print. I looked online at YELP to see if others have this problem. They have XXXX star and XXXX reviews and almost every review says that the customer was fooled into paying for this monthly monitoring service without knowing. I can afford this mistake. Others who have less money and are trying to get a job or a rental and are n't as educated can not afford this mistake. Experian refused to refund my money when I spoke to them on the phone. Please please help the less fortunate people be able to access their credit report without being " played '' by this company. Please also review the YELP reviews. This many people ca n't be wrong.
I am a victim of identity theft. This company requested my credit on behalf on someone fraudulently obtaining my personal information and using it to attempt to open an account. Although no account was opened this inquiry is showing on my credit file and adversely affecting my credit score. I have attached letters from creditors documenting the identity theft and a copy of my photo ID.
Bank of America processed a predatory loan modification on my arm loan in XXXX ( which was originated in XXXX ). 
In the modification they tack on {$27000.00} for late fees and back payment, and also 18 more years to the back end of the loan. 
No one ever spoke to me about the ramifications of what this modification was doing to the length of the original loan. Everything was done by fax. 
I was under does because my husband had died and I was on XXXX and I did n't want to be homeless. 

Then they SOLD my loan off to BURY what they had done. For future audit purposes. 

In XXXX, they SOLD my loan off to XXXX ( now XXXX ) who now informs me that it is over a 50 years on the loan. 

This was supposed to be a loan to help me not lose my home and not go homeless. What they did and processed is unethical and predatory business practice. 

I 'm writing to you for help and direction in correcting the wrong that has been done. 

Sincerely, XXXX XXXX
Repeated attempts prove fruitless items still reflect incorrectly even though I was advised by lender they were corrected. I was not allowed y them  XXXX  character rebuttal nor dispute options! This continues to impact my credit severely.
I had a 5 year loan modification with XXXX XXXX, who then sold it to XXXX XXXX XXXX and then XXXX sold it to Nationstar Mortgage. In XXXX of 2014, the original 5 year modification ended and Nationstar sent me a letter stating my mortgage payment went from {$1200.00} / Month to {$2200.00} / Month, which there was no way I could afford. I tried to do a loan modification with Nationstar, and after a few months they came back to me and said " Congratulations, you 've been approved ''. My new monthly payment would now be {$2100.00} / months. Wow! They took off a whole {$14.00} per month. I have been trying to work with my Loan Modification specialist to work something out but they are very unresponsive and will not get back to me for weeks, in some instances. Now, it appears they will either send me a default notice or possibly have me do a short sale or cash for keys, and be out of my home of 14 years in 60 days.
XX/XX/2016 Consumer Financial Protection Bureau Reference Complaint XXXX, Experian Dear Representative : On XX/XX/2016 I sent a certified letter via U.S. Postal Service, to XXXX and Experian regarding a debt which was claimed I owed to a company named XXXX. {$4000.00}. The credit bureau partial account number for this account is XXXX. 

The debt was passed on to a collection company named XXXX, which I also sent a certified letter to in request they validate the debt, pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ). The certified letter was also sent on XXXX via U.S Postal Service. 

XXXX 's address listed on the credit report XXXX, XXXX TN XXXX was undeliverable, which I may known to the XXXX credit bureaus listed above. In my dispute letter to them I let it be known, there is an error in the debt collectors address and this should be corrected listing a true address or the debt removed. I also provided to the credit bureau 's a copy of the correspondence of the U.S. Postal Service Certified mail receipt and letter as evidence of my attempt to get the debt verified. 

On or about XX/XX/2016 I received a response from the XXXX credit bureau 's with no change in its reporting of this date or address correction, pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. 

I am requesting the Consumer Financial Protection Bureau 's intervention in this matter so that I may get the credit report corrected. 

Respectfully, XXXX
I opened a Loan with Huntington National Bank X/XX/2006 for a used XXXX Paid in full never late and it reports to XXXX and XXXX XXXX  but XXXX removed it along with other positive items from my credit report only to report negative collection items with around XXXX inquiries due to identity theft. According to the FCRA the Huntington National Bank Auto loan needs to be reporting and the collection medical bills along with the inquiries need to be blocked since I filed an Identity Theft report and my file is being improperly handled by XXXX office of consumer affairs.
According the XXXX XXXX XXXX in XXXX XXXX XXXX, public information such as Bankruptcy or judgements are not shared with any credit bureaus. I recently disputed a bankruptcy, docket XXXX, with all XXXX bureaus, XXXX and XXXX both investigated the information and found it to be inaccurate, unverifiable or incomplete and DELETED it. According to the FCRA, all data found unverifiable, incomplete or inaccurate must be shared between all XXXX bureaus and are to be removed if errors are found by XXXX bureau..I provided Equifax with the results of the investigation from the other Bureaus and they have ignored the results of the investigation and have knowingly reported unverifiable information. They never provided me with the method of verification including, name phone number or address of the furnisher, this is a clear violation of my rights under the FCRA.
Got behind on mortgage payments due to paying my daughters tuition and her father my exhusband was late repaying me the funds. He switched jobs and my child support payments were delayed. This caused a domino effect request a modifications and my payment went from {$1400.00} to {$2200.00}. I made the first payment in XX/XX/XXXX the bank took {$740.00} and paid my insurance and {$1300.00} and then stated I did n't meet the payment plan and put me into active Forecloure. Spoke with XXXX this evening in Wells Fargo Home Preservation and he advised he does not understand how the plan was broken because he can see the payment. He advised he would send a note to XXXX XXXX because he is my Preservation specialist and would be able to give me greater detail on Monday. The letter dated XX/XX/XXXX advised I needed to pay {$780.00} to complete a full payment. I received this letter today. When I called the Wells Fargo today the Foreclosure department advised my loan went into Active Foreclosure on XX/XX/XXXX and they are waiting on a sale date. No offer to assist or help me save my home. They just increased my payments to make it unaffordable so I can loose my home when I have told them repeatedly that my intentions are to save my home!
I received a settlement check from a car accident and deposited it via mobile onXX/XX/XXXX for {$3800.00} into my USAA account. The attorney that issued the check banks with XXXX XXXX XXXX. After taking a picture of the check and making the deposit I placed the check in a folder where I keep important documents. In XXXX I was going back and fourth to the library and I carried my folder with me. XX/XX/XXXX my husband took my vehicle to a XXXX dealership to get my vehicle detailed. He stated he placed my folder in the trunk of the car. XX/XX/XXXX I checked my account online and noticed XXXX missing. I contacted USAA and they told me there was a duplicate transaction with the check. I went to the trunk of my vehicle, looked in my folder and noticed the check was not there. My husband went to the dealership and spoke to the manager, he stated he would review the cameras. We contacted USAA again and filed a fraud claim on our account. I went to XXXX County Police departmentXX/XX/XXXX and filed a police report. Case # XXXX. I contacted the attorney and advised him of what was going on. He stated he did not see a dup check on his end. OnXX/XX/XXXX I received a copy of the check from USAA. The check was presented to XXXX XXXXlXX/XX/XXXX on XXXX XXXX. I went to that XXXX XXXX branch and spoke to the manager he stated the fraud would need to be handled by USAA and XXXX. I went to XXXX police dept and filed a police report Case # XXXX. The detective stated he spoke to the person that cashed my check she stated she met her cousin and a female, he told her it was his girlfriend and she was having problems with her account and asked her to cash the check for her. It is nowXX/XX/XXXX all involved banks are stating it is not their fault it is the other bank. USAA and XXXX have both closed their fraud investigation and I do not have my money back. I have fallen behind ALL my bills because of this situation and would like for this to be resolved immediately.
My husband and I are XXXX XXXX that feel our rights have been violated. Our phone seems to have someone screening our calls letting certain calls go through and stopping others from going through. Our computer does what it wants to do and not what we want. My Mortgage Company seems to be taking money and pretending I still owe it to Foreclose early on my property, They appear to be trying to rush me into early foreclosure while calling me everyday and every hour of the day/ These calls are making me sicker by the day. I am not supposed to be behind on my Mortgage, however they are demanding {$2000.00} plus dollares by XX/XX/XXXX when my payments is {$780.00}. Taxes and Insurance included. I just paid {$800.00} plus dollars almost {$900.00} XX/XX/2016 they said they are holding it but it needs to be applied to my loan to show that I am paying my Mortgage. 
XXXX XXXX XXXX XXXX has been taking my XXXX retirement check for the last 2 Months which prevents me from writing checks and now we have to purchase bank checks, We need an attornehy to come and sit down and talk with us on a one to one to let us know what our options are. I do not trust Wells Fargo Mortgage Company, XXXX XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX they have all contributed to me losing my excellent Credit rating and now we can not get credit any where in this town. We need help. ( Anonymous ) I am being told one thing and they are doing something else.
I live in Maryland and was on vacation in Florida for the month of XX/XX/XXXX. 
On XX/XX/XXXX I went shopping at XXXX outlet and purchased {$40.00}. The shop clerk convinced me to open an account so that I could get a discount, which I did. The credit card bill was sent to my home in Maryland. I got home to Maryland on XX/XX/XXXX found the bill from XXXX and put a check in the mail the next day, XX/XX/XXXX for the full balance on the account. 

Today, XX/XX/XXXX I received a bill from XXXX for {$69.00}!! I called their " customer service '' number and was told that my payment was received on the XX/XX/XXXX, which was two days late and I have to pay the {$29.00} late fee. I suggested to the " customer service '' person that this was outrageous and was told " your payment was late and now you have to pay and how is that outrageous ''. Seems like I've been set up and robbed. 

This is a XXXX XXXX credit card
I sold my house ( XXXX XXXX XXXX XXXX, XXXX, NC ) and closed on XX/XX/2016. I wrote a letter dated XX/XX/2016 ( see attached ) to M & T Bank, the mortgage company, requesting the " Recorded Release of lien for the property/Recorded Certificate of Satisfaction from XXXX County NC Register of Deeds ( See attached ). Have not received the original note either.To no avail.
I have lodged disputes with XXXX XXXX, One Main Financial and XXXX XXXX XXXX with the belief they have reported negative items to my credit report not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX and XX/XX/XXXX. I have also asked for assistance from each of the credit bureaus.
I am a XXXX worker, employed through a staffing agency. My supervisor at the client company received a debt collection call. She said she 's received several calls before and gave me the telephone number.