WillisBack/dataset-financial-user-claim huggingface dataset:
I received a letter in the mail threatening to sue me, it was titled as a pre-legal notification. In the body of the letter they threatened to turn my account over to a lawer in my state, they are an out of state collector for litigation.
Calls start at XXXX, XXXX per day. No one answers. The company listed on the caller ID is CBE group
On XXXX XXXX, 2016 I received a call from a XXXX XXXX, with Transworld Systems @ XXXX stating that my student loan from XXXX XXXX XXXX, XXXX is now in Default and that Transword System have my student loan. XXXX XXXX went on to say that I owe {$15.00}, XXXX on my loan and that XXXX XXXX, XXXX XXXX is offering me a settlement to pay only {$11000.00}. XXXX XXXX went on to break it down that if I ca n't pay {$11000.00} I could pay {$2500.00} down and pay the remaining balance each month until paid in full. I tried on several attempts to get XXXX XXXX XXXX 's contact number so that I can confirm XXXX XXXX 's conversation. As of XXXX XXXX, 2016 I have yet to receive that information. In fact, I spoke with XXXX XXXX 's supervisor on XXXX XXXX, 2016 and ask for XXXX 's contact number he gave me an account number that included my social. On XXXX XXXX, 2016 I contacted XXXX to see what was going on with my account, XXXX informed me that my account had a $ XXXX balance and that they do not have any other information on my account. I asked if XXXX had a contact number on XXXX they provided me with Transworld System 's contact which is XXXX. I have research and XXXX and found nothing. At this point, I 'm not sure who is XXXX and why is Transword Systems trying to collect {$11000.00} from me. Transworld System XXXX provide me with a " Note Disclosure Statement '' which included my husband and I signature. They have not provided us with any proof of ownership of my Student Loan account. I never received anything from XXXX stating ownership of my student loan. Also, XXXX has not provided me anything in writing stating that they transfer the account to Transworld Systems. I truly believe that me and my husband are a victim of fraud and identity theft. My husband and I have never dealt with XXXX in the past or Transworld Systems. In addition, we have no knowledge of these companies and if they are legitimate. My original student loan was with Bank XXXX and payments were submitted XXXX XXXX XXXX. I 'm requesting a full investigation on this matter as I strongly feel that my rights as a consumer has been violated with these people. This has caused a great stress in my life. Thank you
My identical twin sister and I have very similar social security number. XX/XX/XXXX has had our report as one report for well over five years. They claim no fault and have even given both of us access to our report with different social security numbers. They fail to properly fix with 60 days. 

This is includes the following lenders pulling hard inquires on my credit report. 
XX/XX/XXXX XXXX XXXX XXXX XXXX GM Financial XXXX XXXX XXXX XXXX XXXX XXXX. 
GM Financial - Insurance Underwriting XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Vs XXXX XXXX XX/XX/XXXX XXXX
My identity has been compromised so I disputed the many unauthorized accounts on my credit report. However, the 3 major credit bureaus response was account been verified. Now in this complaint I'm requesting the Method Of Verification, who verified it, what date, what time, inwhom did they talk to, and where's the physical documentation as stated in the FCRA, inwhich as a consumer and a victim of fraud I'm entitled to. The following accounts I'm requesting this information for are as following ( 1 ) XXXX XXXX, {$860.00}, ( 2 ) XXXX XXXX XXXX, {$1200.00}, ( 3 )  XXXX XXXX XXXX XXXX, {$1500.00}, ( 4 ) XXXX XXXX XXXX, {$6200.00}, ( 5 ) XXXX XXXX, {$740.00}, ( 6 ) XXXX XXXX {$740.00}, ( 7 ) XXXX XXXX XXXX, {$390.00}, ( 8 ) XXXX XXXX XXXX, {$0.00}, ( 9 ) XXXX XXXX  XXXX, {$0.00} ... .. Again, I'm requesting the Method Of Verification, and/ or block and remove all the above accounts.
This formal complaint is due to a various trend of data breech issues that includes myself personally and other customers of Cash America. Cash America has failed to protect the privacy of their consumer 's personal data by neglecting to remove pertinent information from electronic devices in their care and by not doing so they have put me and the entire general public who conduct business with them at risk of identity theft and ongoing data breeches in more than several areas. This currently include but are not limited to SSN, birth-dates, personal emails, credit card information, computer login passwords, traceable cookies on all electronic, devices, banking information, direct access, to personal application such as XXXX and XXXX.
I took out a loan with XXXX to purchase a vehicle in XX/XX/2008.I recently ordered all three reports and noticed they were reporting to that i had a number of late payments .I contacted XXXX in regards to this matter because I after the vehicle was paid in full I received a letter and a refund stating the refund was in regards to them reviewing my account and the refund was for late fees and was assured they would correct with reporting agencies. All I also disputed the late payments in XXXX without any luck.I feel they are reporting falsely to the credit agencies and I have no luck trying to resolve.
I have owned my condo for ten years now and faithfully paid expenses related to my home such as mortgage, property taxes, Homeowners Assoc Fees, and homeowners insurance policy. Last year, XX/XX/2017, my mortgage had a balloon payment become due and Lender stopped accepting my payments. I did not qualify for a refinance through an outside Lender source and found myself caught in between a rock and a hard place. Meanwhile, I had some medical expenses and fell deeper in financial hardship. 
Ultimately, I have been denied mortgage assistance until I consulted with a Foreclosure Prevention Advocate. The advocate and I contacted my Lender and I was advised that mortgage assistance is a possibility. However, there seems to be a question of whether the Lender has 37 days prior to the sale date to process my request. 

We are told it is up to the XXXX XXXX XXXX ( a XXXX XXXX Trust ) whether or not to postpone the sale.
I took out an installment/payday loan of {$600.00} on XX/XX/XXXX based on a letter I received in the mail offering me this loan. I did not know at this time nor was it disclosed that this lender was not licensed to lend in the State of California. The interest rate was 656 % which was not clearly disclosed during the application process. This is in excess of what is allowed by the State of California. According to the document, I have to make payments in excess of {$700.00} before any of my payments are applied towards the principal. This means I end up being forced to pay interest I have n't accrued yet even if I pay the loan off early. This loan will end up costing me {$1800.00} in interest over 6 months if paid as the company wants. For a {$600.00} loan. I did not realize this company was not operating under federal or state law but instead under Tribal Law. I want all communication to my cell phone to cease including robocalls
My Family member got ahold of my social security number and applied for a Capital One Credit card and I had no idea about it until the bill come in my name and still to this day I haven't been able to get anymore info on the account of the credit card and I would like it removed from my credit history so I can see how to get approved for another one it was back between XXXX
Navient told me that I would qualifying for a federal forgiveness program. But when I got the paperwork completed with my employer and the federal government, I was denied. Navient NEVER provided a reason and after 2 years of trying to figure it out, I am now consolidating my loans to qualify for the program though that will be 2 years I could have put towards the federal forgiveness program.
I had a student loan that was invalidated by the State of Wisconsin due to XXXX 's corrupt business practices. Navient was supposed to erase the loan and remove it from my credit score, but they are still adding interest and using it against me. Further, when asked to provide proof of the loan, Navient submitted a digital file that did not have my signature but was something anyone could create using photoshop.
On XXXX Calvary llc or a representative showed up to my mother 's residence and disclosed personal information. I am XXXX and she is not a part of my finances in any shape or form. Relayed to her that they are trying to serve me a civil action on behalf of XXXX. This is my so called business and none of hers.
AES/XXXX XXXX is reporting wrong information on my credit report. 
XXXX and XXXX and XXXX have two different open date when the account begin. 
How can one account open on two different day.
After pulling copies of my credit reports from XXXX, XXXX, and XXXX, I discovered a collection account from Security Credit Services listed on each of the reports. I sent a letter to Security Credit Services and requested validation of this debt in XX/XX/2018. The agency responded by sending a lease agreement ( attached ) that contains information similar to mine, but not my information. My name on the documents are spelled incorrectly. My last name is XXXX, the lease has it listed as XXXX. Also, the telephone number and email address listed on the lease do not belong to me. Also, there is no signature or SSN on any of the documents provided. I have not leased any jewelry from XXXX , XXXX as the documents provided by Security Credit Services claims.This lease does not belong to me, and should not be on my credit reports and is causing me considerable financial harm. 
After contacting Security Credit Services by phone and expressing that this account is not mine, and pointing out that the information in the lease does not match my own, I was informed that I would need to provide them with a police report and a notarized affidavit in order for the item to be investigated and removed from my 3 credit reports. I feel that this is unreasonable, and that the debt should be removed immediately as they have failed to provide any proof that it belongs to me.
The last payment on my note was due on XXXX/XXXX/15. On XXXX/XXXX/15 I received an email from Nissan Motor Acceptance Corporation ( identical to the emails I have received every month prior ) stating that my payment would be due on XXXX/XXXX/15. This email stated : " If you are currently enrolled in XXXX of our automatic payment programs, your payment will be automatically deducted. '' I have been enrolled in the automatic payment program for some time ( possibly since the inception of the loan ) so I naturally assumed that my last payment would be automatically deducted. Today I received an email from NMAC stating that I have an overdue balance. I called NMAC and explained the situation to a customer service representative. I was told that the last payment can not be automatically deducted and must be paid directly. I told the representative that I had not received any correspondence informing me of this policy and that I had, in fact, received a statement saying that my payment would be automatically deducted. I was told that this information is " usually submitted via the email information we have on file. '' I responded that I had not received any correspondence from them and, therefore, would like the interest to be deducted from my account. I was told that my balance was " not negotiable. '' I then asked to speak to a supervisor. After being put on hold for several minutes I was told that a supervisor had been found and that my call was being transferred. At that point I was put on hold again and, after a lengthy wait, my call went through to a mailbox ( extension XXXX ). Instead of leaving a message I chose to call the extension again. At that point my call continued for several minutes unanswered before it was disconnected.
I was offered a credit card by Amazon. I accepted. I made a few purchases. I cancelled the card. I am a senior citizen on a fixed income. I am trying to pay the balance off as best I can. There is a debt collector from the number XXXX XXXX XXXX calling XXXX times a day at all hours trying to collect the balance. I ask that this please stop.
I received a letter from Wilbur & Associates, P.C. in XXXX, Illinois, claiming a debt of {$9900.00} was owed to them on behalf of their client. They claim that I was in an auto accident with the client on X/XX/2017. There is no accident report filed, and no proof given ( no report of the model of the car involved, license plate number, etc ). This is a bogus, scam claim. The company is threatening that they will send their documents to the state for review in order to get my license and registration suspended.
This bill is from a hospital emergency room as a result of a car accident that the insurance company should took care of it.
In XX/XX/XXXX, during the mortgage meltdown, our equity lender Nave Federal Credit Union ( NFCU ) foreclosed on our home. During the foreclosure process, they refused to negotiate with either us or our attorney, despite raising our equity loan payments from {$500.00} per month to over {$3000.00} per month. 
We are federal employees with security clearances and just found out that even though the equity loan was part of the foreclosure, NFCU is reporting this as a " chargeoff '' on our credit report which is now effecting my financial credibility during my reinvestigation. I 've reached out to NFCU for resolution and they 're referring me only to their collections division. The foreclosure was in XX/XX/XXXX.
I submitted this complaint before but it was the wrong company. Several months ago a woman named XXXX XXXX contacted me about an account that was with closed, or paid off, in fact I never received any paperwork, I paid XXXX a month, then my account was hacked and I become ill. She began calling again. XX/XX/XXXX my father XXXX and a short time later she called again. this time she said I owe XXXX dollars, adding to it instead of subtracting the money I paid. Then she said it was to bad about my dad, but last time you said your account was hacked, she was really rude and intimidating. I hung up and started to cry. She did not believe me that was obvious. I sent the company a copy of my father 's XXXX XXXX to prove I was not lying. I do n't even know what this money is for. And this XXXX XXXX is rude and intimidating.
I been disputing Naviet account XXXX, and also XXXX, for been charging unauthorized transactions I detect on XX/XX/2018, instead of resolve the matter they still charging and not resolving the issue, .Naviet is been reporting 6 times the same account, I been disputing and dealing with Customer for years with out any response. at this point I need any kind of help, please.
Alliance One contacted me about a fraudulent and fabricated debt that was 15-years-old. The matter was fully adjudicated in 2003. Alliance One is fraudulently attempting to collect a debt that should have never existed to begin with because the original matter was fabricated. It was in fact fully paid as documented with legal court receipts, and as a result the matter was fully dismissed, discharged and closed through court-ordered adjudication. They have currently suspended my license illegally. Now I have suffered loss of income, traffic tickets, and even XXXX. 
Even worse, even if the fraudulent debt were valid, the debt is time-barred, through the statute-of-limitations. Further still, the Alliance One representative repeatedly lied about where they were located, what their first and last name was, and even the telephone number from where they were calling from.
Recorded message says to call XXXX and ask for XXXX XXXX so when we do so we ask for XXXX XXXX but whoever answered the phone says they can help us. We then state that the phone number you are calling is a new one to us and that we have no debt to anyone so please stop calling for which the standard response has been " We will remove you from our list ''. Problem is, they still keep calling.
Twice I have tried to en roll in Auto Pay with Navient. For one, they do not allo w you to change the amount that you would like to auto pay. Second, they keep rejecting the auto pay submission because " Your loan is currently not in repayment and will not expire in the next 45 days. '' This is not true because I enter repayment on  XXXX / XXXX / 17 . Today is  XXXX / XXXX / 17 . Since they do not want to be cooperative in setting up easy repayment, I have decided I will pay these loans off by the end of this year. While setting up scheduled payments, they do not allow you to schedule payments more than 2 months in advance. This company makes it almost impossible to easily repay your loans. I feel like company is doing everything in their power to make as much interest off me as possible.
I had a repair performed on my vehicle at XXXX XXXX XXXX on XX/XX/18 and had a balance due of {$830.00} for this work. I was not aware of the balance, since I never received an invoice from XXXX. I became aware after receiving a debt collection notice from XXXX XXXX at Credit Counsel Inc. on XX/XX/18 for {$920.00}. I spoke to the management at XXXX to let them know that I never received an invoice, which would have alerted me to pay and I was disappointed that they sent the bill to collection without even letting me know. They agreed that an error was made and they were supposed to invoice me but never did so due to an oversight. I promptly paid the outstanding balance due to them, which was {$830.00} in person on XX/XX/18. I was assured by XXXX that I no longer owed them any money and that the debt collector will no longer be contacting me for payment. I received a receipt from XXXX, showing the payment made and that the balance on my account is {$0.00}. However, I have received additional correspondence after payment was made from Credit Counsel on XX/XX/18 requesting payment for {$86.00} even though I do not owe this money, as I already paid my debt and resolved the issue with the creditor. 

Further, the balance that Credit Counsel Inc. is stating I owe increases with each notice I receive. The initial notice received on XX/XX/18 is {$910.00} which includes {$83.00} in excess of the balance owed to XXXX. An email received on XX/XX/18 indicates I owe {$920.00} ( {$85.00} in excess of the balance owed ). I paid off the debt on XX/XX/18, and received another notice on XX/XX/18 for a total of {$86.00}. When I inquired why this excess amount is owed from Credit Counsel Inc, an explanation or details supporting the claim could not be provided and they only sent the invoice of {$830.00} from XXXX. I also inquired of XXXX on why the amount being charged by the debt collector is higher than the amount owed and the manager, XXXX XXXX, at the XXXX stated that it is not in accordance with their contract for Credit Counsel to charge more than the {$830.00}, since Credit Counsel receives a fee as revenue from the amount collected from the debt.
My issue is with a federally chartered bank, in fact, the first federally chartered bank in the U.S., Wells Fargo. I started a short sale with Wells on XX/XX/2015 -- XXXX days ago. The file has been passed through XXXX ( XXXX ) negotiators -- XXXX XXXX, XXXX XXXX, and now, XXXX XXXX. There have been numerous requests for information ( including request to change items Wells has previously asked us to do ) -- all information requests from Wells have been satisfied within XXXX hours. ( Incidentally, these information requests have been made, notwithstanding the fact that the XXXX negotiator, XXXX XXXX, indicated he had everything he needed to proceed ). What 's disturbing is that each time Wells moves the file to a new negotiator, there is no reason given, and the new negotiator can ask for a single document, or update of a document, and the clock starts ticking anew. It 's a chronological merry-go-round that seemingly never ends because Wells can start the process all over for any reason : " Could you resubmit Addendum One because the buyer 's signature is n't legible enough -- is it XXXX or XXXX? '' Assuming such a request is legitimate, does it warrant starting all over? It 's clearly used as time management mechanism. There has been no communication from Wells since XX/XX/2015 when the negotiator said she 'd be back in touch " shortly. '' We have emailed and called the negotiator 's manager ( XX/XX/2015 ) with NO RESPONSE. The matter has been escalated with the Wells Fargo Executive offices XXXX ( XX/XX/2015 & XX/XX/2015 ) with promises of a response within XXXX hours -- again, NO RESPONSE. I 'm at wits end. If there 's no response to their own management 's request for information, as a consumer, I 'm totally helpless. The mortgage is significantly past due and the next step is foreclosure. This has become an enormous hardship. Having this matter unresolved prohibits me from taking other actions that would benefit my overall health and well being. Like all federal agencies, I know that CFPB has limited resources and I really tried to resolve this with Wells internally. But at the point the EXECUTIVE offices at Wells states that someone will call within XXXX hours, and XXXX days later there 's still no response, I simply do n't know what else to do.
Creditor " XXXX & XXXX '' has my credit report listed with two accounts ; I've only opened one account. XXXX, XXXX & XXXX is filing derogatory information on my credit report, saying the account is delinquent, when in fact they are receiving consistent and timely payments through XXXX XXXX XXXX on a monthly basis for the past two years. Third, while XXXX & XXXX indicated they rejected the payment arrangement offer made to them through XXXX XXXX XXXX, they continue to accept the payments being made, thus contradicting the law regarding resolution of credit accounts. The fact that they are receiving payments and have not returned payments made - they can not accept my payments while reporting derogatory information on all three credit reports.
Yesterday, XXXX XXXX 2017, at XXXX pm, I received an email from Trusted ID Customer Service, the company Equifax hired to assist consumers with compromised credit issues. It stated that my account had a " New Credit Monitoring Alert-Action Required '' and requested that I contact Customer Care at XXXX. I telephoned the number that evening and was on hold for 4 hours and 39 minutes before I gave up and went to bed. 
Thus, I can not contact the company about the issue and expect that there will be further issues and that I will be unable to contact the company in the future. 
Throughout the 4 hour and 39 minute hold, I heard numerous recordings assuring me that I was a valued customer, that the company was most concerned about me, and that I should call back later. I doubt that this is the case. It seems to me Equifax has hired the least expensive service company which, in turn, hired the least number of representative to assist customers. 
I do not want Equifax to have my information ever again nor do I think Trusted ID should be handling customer care. 
As a government entity charged with fair trade, please look into this situation.
Pinnacle Credit Services collected {$100.00} from me on a XXXX account in 2013. 
There is no balance due on the account but Pinnacle Credit Services keeps reporting the account as open and not closed.
Received a copy of my credit report showing a new collection agency. Wakefield and associates is in violation with my hippa rights. It is against hippa to sell my hospital records to a third party, my daughter had state XXXX which prohibits them to bill me for services rendered if they are unable to collect from the insurance company