WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX at XXXX XXXX, XXXX, XXXX ( Closed due to Fraud ) Below is the letter I sent to the President : XXXX XXXX XXXX XXXXPresident and Chief Executive OfficerAmerican Education ServicesXXXX XXXX XXXX XXXX, XXXX XXXXI am writing you with a very heavy heart. I am extremely disheartened and dissatisfied with the level of insensitivity and lack of understanding and communications received from American Education Services ' ( AES ) representatives regarding my account. I am requesting immediate release of financial responsibility for the above-mentioned account regarding payment for an educational/discipline program at the XXXX at XXXX XXXX ( XXXX ). It is evidence that XXXX is " not '' an accredited educational establishment. However, when I took out this loan, I was told that they were. I have struggled with this loan from the very beginning and have spoken with numerous representatives over the years concerning my hardships : XXXX being financial and the other a divorce. However, I only received temporary relief and a larger outstanding balance. 

Additional information : I have attached documentation from the Attorney General 's office that confirms XXXX was a " Fraud ''. On XXXX XXXX, XXXX AIR was ordered by the State of XXXX to pay civil penalties of {$250000.00} to the Attorney General 's office for issuing unauthorized high school diplomas. The program was furthered order to make partial refunds to parents ( I never received such a refund ), stop issuing diplomas, and stop marketing itself as an accredited school. XXXX applied for permission to issue diplomas from the XXXX State Department of Education and was denied permission on XXXX XXXX, XXXX. The Department, in its rejection letter to XXXX, stated that it had determined XXXX was primarily a behavior-modification facility and not a boarding school. A lawsuit against XXXX for issuing fake diplomas was also filed and a judge upheld its validity in XXXX XXXX. These incidents are what led XXXX 's enrollment to drop from approximately XXXX students to less than XXXX, and ultimately led to its closing. I too think that is was unjust for American Education Services not to notify me of such allegations and continued to accept payments from me. 

I am asking that you have compassion, thereby eliminating my outstanding debt as well as send communications to all credit bureaus to have them remove the item as well. 

Thank you kindly for your consideration, time and immediate attention to this matter.
Debt was paid at the end of XX/XX/XXXX because I got XXXX in XX/XX/XXXX. My mother paid for that bill inFULL. I got a bill for collections for medical {$730.00}. I have a private doctor and XXXX and XXXX which COVERS ALL hospital and medical procedures will attach a COPY. tHE LAST XXXX BILL WAS OPENED IN XX/XX/XXXX, and the other one was open XX/XX/XXXX. I have had XXXX SINCE I GOT OUT XX/XX/XXXX until present. ACCORDING TO COLLECTIONS AND PAPERWORK WILL SHOW THAT i WAS XXXX AT THAT TIME AND IT IS IMPossible for me to apply for a phone in XXXX!!!!! ... Please investigate and any information needed please feel free to email me or call me XXXX, The XXXX debts are illegeitmate and the one debt for XXXX for XXXX opened on XX/XX/XXXX was PAID IN FULL. PLEASE CONTACT T-MOBILE and ask them why my account was open when i was it was paid in full and the other claim I was XXXX for 7 months more after the account was open ; and who authorized this transaction of opening another line on my name wihile me being XXXX in unsafe and strictly unprofessional. If these debts are not erased I WIll contact a lawyer if proof given today is not enough, the last image is the imei number which can tell you where the phone is and when it was used last. Please look into that as it will clear me,
I am very upset and disappointed in the rewards change of my XXXX credit card. The free night benefit removal has been a disappointment. In addition, I just the annual fee charged to my account. {$75.00}. 

I believe it is very bad practice to suddenly change the terms of card ; In addition the old terms were advertised in marketing materials and in statements, website. 

To add insult to injury, I just found out that US Bank and XXXX XXXX have been selectively issuing free night certificates to select customers. 

I would like to also received the free night certificate. 

Thanks, XXXX XXXX
XX/XX/2018 Due to technical error at bank no direct deposits were issued causing fees for past due accounts. 

Called received an email acknowledging errors and told they had fixed the problem. 

XX/XX/2018 Direct deposit again not posted now due to another system error. Now the apartment is seeking eviction due to two late payments. Other services such as gas, electric and Cable also paid late fees and fines.
I keep getting phone calls from what I think is Synchrony Bank keeps calling me from at least 6 different numbers, two from Texas, two from Georgia, from Kansas, from Ohio, and Florida. They never leave messages, on most calls, but once they thought they were talking to someone so they asked for a persons name, that wasn't me. I get calls multiple times a day from a mix of the numbers. I have Synchrony credit cards, but when I have signed up the cards, I used my home phone number, I am getting these calls on my cellphone, which Synchrony Bank doesn't have. I don't owe anything on any of my Synchrony Bank credit cards. Some how they put my phone number in their Robocaller program trying to call someone besides me. Other people say that they have tried to tell Synchrony Bank that they have the wrong number and to stop calling them, but nothing stops the Robocalls. These are all Robocalls, and they aren't for me. I wish they would check the phone numbers they call to make sure that they are for the right person. THIS NEEDS TO STOP.
Public lien on credit report i have previously disputed to have it removed cause it belongs to someone else with the similar name and same last XXXX digits of ssn but the full name is incorrect, birth date doesnt match or know address as well as the full ssn are different.
I have had an account with XXXX XXXX that started in XX/XX/XXXX. I made a payment onXX/XX/XXXX confirmation # XXXX and they never took the money out of my account and then hit my credit with a late mark. 

I have attached a letter from my bank stating that they never tried to take money out of my account in XX/XX/XXXX and that my bank never declined a payment to XXXX XXXX. I never changed account numbers or anything and I made payment from the same account I have saved online. 

This error is not on my part, it is on XXXX online system and I feel it is unfair to hit my credit when it is a mistake on their part. Please remove this mark from my credit immediately.
They did not want to take recurring payments or post dated payment ... They want to charge payment over the phone fees..
After I notice my account was charge a wrong amount. I contacted the fraud number write away to let them know. I was told that a affidavit will be sent to my house. Fill it out and send it back as soon I can. I never gotten it and the XXXX was taken out again after a temp credit. No advance notice and no affidavit was ever receive. I did call to asked for another one sent out. Again never got one. I the file a complaint and with so many word. I was told now its because its past 60 and they are within the federal law and banking guide line. So as a bank member I did what I was so posed to do. The executive representative told me over the phone in the branch office of PNC. It was not going to be refunded .I believe it to be wrong and fraud on the behalf of big lot and PNC XXXX 
I even offer a copy of the recipe to the bank. At first they said they cant read it. Then it didn't matter. 
Thank you for your help in this matter My phone do not work write now
I am a XXXX and they are calling the XXXX saying that they need to speak to me about a debt that I owe. I have informed them to send anything that they believe that I owe on paper by mail. They have been told Do Not contact me at work or speak to my employer.
My original lender is XXXX. Countrywide Home Loans was my servicer. After XXXX declared bankruptcy, my loan was never legally transferred or sold. In or around 2011 Bank of America ordered the preparation of an Assignment from XXXX AS LENDER, transferring my loan to them. Now Bank of America claims to be my lender. The transfer violates common law agency, assignment laws and is clearly fraudulent. 
Please review assignment and determine whether or not transfer was legal. I believe I own my home free and clear,
I opened an account with XXXX XXXXk via XXXX XXXX in XXXX XXXX, I contacted the lender in XXXX to verify if and when a bill would arrive. I offered to pay the bill in full and assumed this had been done until I received a letter from the debt collector. I called XXXX in an attempt to pay the bill they informed the debt had been charged off and sold to a debt collection service and they told me I would need to speak with the debt collector as it was no longer their responsibility. I then called the debt collect who then offered me to pay double the amount of the bill as a settlement and told me basically to take or leave it but either way I was going to have to pay. I asked if I could dispute the bill and was told no and that this was their only offer.
I sent to Amsher a response to notices sent to me from the credit Bureaus and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : NONE OF THESE WERE PROVIDED TO ME BUT A BILL WITH A NAME AS MY
XXXX XXXX has been reporting Negative item since XXXX XXXX. Past 7 years. I have not receive any investigation results from Equifax. Previously disputed in XXXX XXXX, XXXX XXXX, XXXX XXXX Equifax did not provide me a proof of VALIDATION OF 1st Delinquent Date
Good morning. 
I recently applied for a conventional mortgage with XXXX XXXX XXXX XXXX XXXX XXXX and have been rejected both times for reasons that violate bankruptcy laws. In addition to the bankruptcy laws it is a clear violation against my rights, reporting laws & contempt of court. Due to my physical condition it has impacted me seriously both emotionally and physically as well as financially. 

As a result of my medical condition, I had to file bankruptcy in 2008 which was discharged in XXXX of 2008 in NJ XXXX, XXXX. 

Wells Fargo was listed as a creditor for a {$250000.00} mortgage. 
Wells has reported the loan again on my credit report. I have spent hours in conversation and being jumped around from department to department, letters/emails have been written proving my case to have it removed and still yet Wells Fargo refuses to take the report off my credit. 

I am opening a case against Wells Fargo under Fair Credit Reporting Act as well as pursuing remedy for the financial impact. 

I bring this to your attention because it is another clear violation of the law and their willingness to continue this practice only reinforces the face that the recent judgement against Wells ( XXXX XXXX DOJ ) was not effective
I have a personal college loan through HESAA in NJ. I usually make my monthly payments via credit card. On XX/XX/18 I tried connecting my checking account to the portal to pay via my checking account because I was being charged a fee every time I used my credit card. I follow the video they direct me to, I link my checking account, and I submit the payment for that month via my checking account. A few weeks to a month later I get a notice in the mail that my loan payment is late and that I am delinquent. 

I log on to the HESSA.org to find that my checking account payment had been bounced back. I immediately file a claim with HESSA and petition to have the delinquency removed since I was unaware my payment bounced back. This was also my first late payment so they removed the delinquency and made my account current.

But my credit score has not improved since they made my account current. It was above 700 before all this, but now it is around 650. How can I inform the credit agency to have my score go back to what it was prior to this incident?
I had pulled my annual credit report and seen that I had a debt collection from XXXX XXXX. I sent a letter to the company asking to verify the debt on XXXX/XXXX/2016. I received a letter back including information for XXXX separate debts. XXXX which did not belong to me. They belonged someone with the same first and last name but a different middle initial. The letter included documentation to verify only XXXX of the debts which had an address for the other person. The address listed on the document was not my address and I have never lived at said address. I send a XXXX letter to XXXX XXXX on XXXX/XXXX/2016 asking to verify that this is indeed my debt and why they think it belongs to me. I received a response from XXXX XXXX dated XXXX/XXXX/16 stating again the XXXX debts. They included with this letter a document verifying the other debt and once again there was an address listed for another person. On XXXX/XXXX/16 I sent a complaint to XXXX XXXX stating that are reporting inaccurate credit information based on the documentation previously mailed to me. I explained that I have never lived at either addresses and the person whom they are seeking is not me. I asked that they comply with federal law and remove the debt from my credit reports including all XXXX reporting agencies. I waited over 30 days with no response from XXXX XXXX. I have disputed the debt with all three credit bureaus which have stated that the information was correct and would not be removed from my credit report. I sent a letter to XXXX XXXX on XXXX/XXXX/16 asking to verify yet again that this is indeed my debt. I have not been given a response from XXXX XXXX, and the XXXX reporting agencies have not assisted me in this matter. Experian updated the debt collection from the XXXX XXXX name to their alias which is XXXX XXXX XXXX. Please help me alleviate this collection account.
As of XXXX XXXX, XXXX, Ocwen again changed the reporting of my account. They now report that I missed a payment and paid a balance less than the full amount. My credit score dropped considerably. I 'm filing another complaint with the XXXX XXXX XXXX XXXX. I also emailed XXXX XXXX with Ocwen Obudsman. 

There were never any missed payments. This must be corrected. 


Closed No Missed Payments {$0.00} Account Details Last Reported XXXX XXXX, XXXX Creditor Name OCWEN LOAN SERVICING Account Type Second Mortgage Account Status Closed Opened Date XXXX XXXX, XXXX Closed Date XXXX XXXX, XXXX Limit -- Term 180 Months Monthly Payment {$190.00} Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$24000.00} Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XXXX XXXX, XXXX Amount Past Due -- Times XXXX/XXXX/XXXX Days Late XXXX Remarks Account paid for less than full balance Paid charge off
On XXXX/XXXX/2017 a {$5000.00} ach wire was sent to my checking account. The checking account had closed on XXXX/XXXX/2017 I did not know this as there was nothing on line to indicate account was closed. On XXXX/XXXX/2017 I called the bank was told to go to branch open new account. When at bank was told money would transfer XXXX/XXXX/2017. I called bank on XXXX/XXXX/2017 when money not made available I am told that they took care of overdraft {$450.00} but I not given access to funds. I am told money will be made available after 15 day hold for check to clear. I remind that this wire not check .Told me will hold till XXXX/XXXX/2017. I also complain that know where on line does it show that {$450.00} was paid or that holding {$4500.00}. On XXXX/XXXX/2017 I go to branch am told money will not be made available till XXXX/XXXX/2017 will mail a check. I offer letter from ach company to show money went threw was told does not matter. I understand a few day hold as account was overdrawn and closed but not almost a month to mail a check. I understand half of this my fault for over drafting account and letting it close. However I received nothing in mail or show on line account closed. Because of this I can not go on vacation I paid part cant pay balance. Mortgage and car insurance not paid. Still not have anything showing bank is holding my money
I have attached my Drivers License and SS card showing my name is XXXX XXXX with last 4 digits and the Bankruptcy filed in XX/XX/2017 is not my Bankruptcy. I had submitted previously my identity theft report along with police report. Please delete the XX/XX/2017 Bankruptcy appear on my credit report. As you can see the names do not match and SS number is XXXX. 

I'm also disputing XXXX XXXX XXXX According to the report, your showing my credit limit is {$500.00} and not the {$2000.00} that the credit limit is. I have attached a copy of my recent Credit Card statement that shows my proof.. 

I've tried to submit documents via Experian.com/XXXX but it is unsuccessful.
Simms Associates is a debt collection agency that initially contacted me on XXXX XXXX 2015. I was greeted by a representative who kept asking me for my name, social security and address. She specifically asked for me via phone when she called my workplace and after providing my social security and DOB, she said that was not what she had on file. After a few minutes of determining that the other family member, my grandmother 's information was the XXXX on file ( she allowed me to provide her SSN and DOB and then gave me all the information regarding the debt ), she informed me of the balance I owed and with what company the charge off came from to collect the debt. I informed her that I am unable to make lump sum payments due to other debts accrued from student loans, and after she implied by stating that if I do n't pay, they do n't know what would happen, I may go to jail or get sued or go to litigation, that I was forced into making some sort of settlement. We ended up with {$25.00} from my checking account until I could pay them more. 

After feeling cornered and coerced into sending in a payment, I filed a complaint with their local XXXX in Delaware. The only response received was that they would provide a verification of debt. Like the rep 's " I will email you a receipt '' issue - neither came via email or regular mail. I assumed that our debt was already in repayment and never checked back again. 

Apparently they decided voluntarily to not accept payments arranged, because no automatic payment was posted to my checking account in XXXX. I called on XXXX XXXX and they refused to let me provide the same information the previous representative allowed me to provide. They refused to let me provide any sort of information and repeatedly informed me they can not talk about this account any longer. 

I submitted a second complaint today to the Delware XXXX after talking with XXXX XXXX who charged off the account and put Simms Associates in charge of collecting my account on their behalf. XXXX collections department representative filed the complaint, and agreed to take payments direct from me and not through the Simms Associates. I informed Simms via the XXXX complaint of this outcome. 

I feel that their collection practices, especially casually implying that I would go to jail or get sued just to get payment out of me was flat out wrong. There are several online complaints regarding their practices. 

I can not believe that they refused to let me pay! How ridiculous is that. I hope that someone takes care of this business and ensures that they are unable to threaten or coerce other people out of payments.
I have been paying my XXXX/snychrony bank card balance every month on the first of the month using my autopay feature from my bank. However, I have been hit with late fees as a result of " paying too early because the bill has n't cycled ''. When speaking with the customer service representative, she acknowledged that I was paying early but that the system does n't know how to process early payments. She was only able to credit me half of the late payment fees when I had asked for all of the late payment fees to be credited to my account.
Nationstar Mortgage has added two of my payments in the same month which threw off there system and I have been getting late payment notifications and harassment calls ever since. The worst part is they have ruined my credit score from 800+ to below 600. And now I can not get approved to invest in anymore real estate. I have never missed a payment and they refuse to address the problem. Next step is small claims court! **All payments have been saved and recorded since day 1 showing I have never missed a payment. All documentation is available upon request.
I shopped often at MACYS but I never applied for a credit card with them. After I checked my credit about 5 months ago, an account from Macys on my credit report, which showed a balance of {$180.00} dollars, that was charge-off. I immediately contacted the number that was on my credit report from Macys and tried to speak to someone in the fraud department. Unfortunately they kept me on hold so long, I had to hang up. I then contacted XXXX and spoke to a credit analyst and they were kind enough to tell me what to do. I contacted XXXX XXXX police dept. and filed a police report. ( no.XXXX ) it was approved by officer XXXX with badge # XXXX and then field an identity theft report with FTC .Ref (. # XXXX ). Then I sent a copy of the police report, with the FTC report, to all three major credit bureaus via certified mail and informed them to block my credit file. I also contacted MACYS and send them a copy of police report along with FTC report and inform them there is An account from MACYS is appearing on my credit report and I am not aware of having any account with their company. I request that they investigate this matter and provide me with the following : A legible copy of the original signed agreement for this account, which should show my personal information, as well as my signature and any other documentation verifying the account is, in fact, mine. If they can not or will not provide me this information, then I formally request they send me a letter stating that this account does not belong to me and that it will be removed from my credit reports.Until this matter is cleared up, I firmly request that they stop reporting this account altogether. this is what happened I received a letter from macys fraud department stated they had reviewed my claim for unauthorized activity and they regret to inform me my claim can not be accepted base on account history. I got so frustrated with the letter that I just received, I immediately contacted the fraud investigation dept. at XXXX and I requested to speak with a supervisor for a copy of the original application for my review. To date, I have not received any of the requested documents.
Disputed with this credit bureau concerning XXXX XXXX and sent in backup that this debt was in dispute before this was placed on my credit report and was being collected by XXXX different collection agencies. I asked for the backup to how they verified this amount and they did not send me any information just left the insertion on my credit report