WillisBack/dataset-financial-user-claim huggingface dataset:
Trying to refinance a mortgage ; Was told property had not been out of foreclosure long enough. WHAT???? Have not filed bankruptcy, property has NOT been foreclosed on. Spoke with individual at loan servicing company, said they would take care of it. NOW!!! Most info pertaining to this mortgage is gone from their records ( payment history, etc. ). Credit report says account was paid and closed. So who or??? is collecting my payments?
XXXX XXXX is threatening to sue me for an old debt they bought that is out of the statute of limitations for California. They have also failed t mail me a letter 5 days after calling.
I received a debt collection letter from Williams & Fudge Inc for the College of XXXX XXXX stating I owe {$920.00}. I never attended the school I signed up for classes but immediately withdrew because I had to move. I also received an email from the school confirming I did not owe anything. I emailed a copy of my document to XXXX XXXX XXXX XXXX informing them I do not owe any money. This company stated if I do not pay they will report me to all the credit agencies. How can they do this and I dont owe anything. Also I am a retired vet I dont need a student loans I have educational benefits from the military.
I applied in 2012, after recently paying my original car loan off. I received less than {$2000.00}. I paid every month. Until onr day I woke up and my car was n't in my driveway. After calling the police. I was told that it was repoed. I tried many many many times to contact this company. Only one time was able to speak to someone. I was n't given any info other than being screamed at. I was told to pay the total amount due. Almost 8 thousand dollars. I has no idea what to do. I was devastated. I let my car go. Here I am almost 6 years later. I have rebuilt my credit and I diligently been working on building credit. Obviously I noticed the company was in my report. I tried to dispute these charges. They are saying it is still open. Showing month after month late payments. I have not from day one of them taking my car have received a letter. I 've had the same phone number for 15 years. I also have the same mailing address. The amount the are claiming is wrong. I paid every month. Unfourtantlytly for myself I paid via cashiers check. I do n't have access to them. I do n't understand how they are making claims of any amount they want and it 's on my credit. I got this loan for a very minimal amount. I got this loan so that my credit was n't checked. I knew then that I had prior debt from years prior. I was never taught the importance of credit. I have taught myself along with my children over the last 6 years. In almost finally debt free. I have worked so hard to recover from bad lessons. Now that I am trying to build credit. I cant because this company is reporting so many things that are fraudulent. Can someone explain how the do n't check credit, take your car, and then make up any amount they want and them report it to your credit. I need help. I want to be a home owner. I actually would like to rent a home for that matter. This is crazy. I 'm almost homeless and ca n't do anything because they obviously can do whatever they want. I never signed anything with any type of disclosure of their ability to make claims of amounts of any dollar amount. Nor did I receive a final notice or interest rates.
I received a copy of my credit report from all XXXX of the credit reporting bureaus. An account with The Home Depot was listed as an adverse account. I contacted XXXX. They stated that I need to contact each of the credit bureaus. I filed a dispute with XXXX This bureau stated in the dispute response that they reported correctly based on what XXXX reported to them. I feel like I have no way to resolve the inaccurate reporting by XXXX of an " adverse account '' for 5+ year of activity that only had XXXX account with XXXX payment over 30 days.
This company constantly calls from different numbers and called my ex wife when they should not be. They have been told to stop, but will not.
I XXXX XXXX does have a legitimate dispute that the Federal Trade Commission should investigate. In XXXX, a resolution was presented to the United States XXXX labeled XXXX. This resolution was designed to specifically give permission for public utilities to post payment information against individuals for any public utility. This would have meant the redefining of the meaning of what credit was or represented. The Fair Credit Reporting Act was initiated and procured as federal law in XXXX XXXX to establish a level playing field between consumers and the XXXX system. Public utilities are regulated by XXXX throughout every state and in many cases municipalities throughout the country. XXXX failed to make it out of committee and was never voted upon. In retrospect, public utilities abuse the Fair Credit Reporting Act by using the credit reporting process, even though by law they are not entitled to it. Any mention contractually that a company such as XXXX could use my personal information such as my social security number to report anything against me would be a serious violation of my constitutional rights. The use of my information by transfer would need to be established in writing, and that in itself could cause problems against XXXX in class action proportions. Because of a delay in the transfer of cable/wireless equipment to XXXX, a transfer that contained no additional remuneration, XXXX decided to abuse my personal credit report by the transfer of my personal information such as my social security number. This in itself is nothing less than identity theft. Accordingly, my file information from XXXX and the collection agency known as Eastern Account System needs to be purged immediately and permanently. I make my identity theft claim based upon the transfer of personal information XXXX had no right to share with any third party to begin with. My complaint is real and 100 % legitimate. My file information must be purged immediately and permanently.
XXXX XXXX Inquiry from XX/XX/2018 Through XXXX XXXX I learned that the above hard inquiry was made in an attempt to get credit in my name. I did not initiate this or part of this request.
Equifax mishandled my information which puts me and millions of other people at risk. According to their XXXX, I am listed as a potential victim. They also did not notify everyone quickly enough about the breach and admitted that they will not notify everyone.
I had an American Express XXXX XXXX. XXXX switched to XXXX XXXX. I mistakenly sent a {$310.00} payment to the Amex account instead of the XXXX account on XX/XX/XXXX. My bank shows that the payment was processed. XXXX is telling me I have to work with Amex to find the payment and they are not allowed to contact Amex regarding customer payments. 

I've made several calls to Amex, approximately 6 calls, spoke with at least 20 different reps and spent more than 5 hours since my first call.. The most recent was last week, XX/XX/XXXX with the Amex Corp Office. Finally someone confirmed they received the payment on XX/XX/XXXX for {$310.00} and asked me how I would like it refunded. I said wired back to the account the payment came from. I gave my ckg acct #, and routing # and the rep told me the money would be in the account in 3-5 business days. Today is the 7th business day and there is no money in my account. I made a call today XX/XX/XXXX and spent 45 minutes on the phone with Amex to be  told they could not find the account because they no longer have access to it. They kept referencing my corporate card account and I repeatedly told them that is not the correct account. I was told by XXXX/amex rep I would hear something back in about a week and it should be resolved in 2 weeks. I have 0 confidence this is the case. XXXX told me to call the number on the back of my card and I again had to tell her I don't have the card because it was closed 2 or more years ago. Then she said. Oh! Right. I forgot that. I hung up the phone feeling aggravated and defeated and know that I will spend more of my life on the phone with Amex because I will have to call them back to again try to resolve this issue. I've got {$310.00} of my money floating around Amex and no one is trying to help me get it back when it's been confirmed they received it. What can I do??
Took XXXX to the XXXX XXXX XXXX atm to do a cash deposit. The atm took the money and then said their was an error returning the funds and printed a receipt that said that. The XXXX XXXX XXXX atm was on XXXX XXXX ATM number XXXX Date XX/XX/19 Time XXXX Called the bank and they said that the atm doesnt show an error but I have the receipt that says it had an error. Said they would attempt to investigate it.

Said they could only do a previsanial credit while they looked into it. But I was advised to make a complaint about the atm
I am undergoing XXXX XXXX. I told the lady. She demands answers while I have a needle stuck in me. I have XXXX XXXX. I have called to mediate but now I need the harassment to stop now. My life doesnt need to take abuse
I did file a previous complaint against XXXX XXXX XXXX case # XXXX, on XXXX XXXX but there is no answer to that complaint yet, instead they did file a FRIVOLOUS FORECLOSURE at the XXXX XXXX Courthouse against my property, Case # XXXX staying I did not make payments from XXXX to present, which is not true as the bank statements enclosed show, instead XXXX is returning my paymets see proof XXXX supporting foreclosure documentation doesnt support the claim as is just the initial loan paperwork and loan modification of XXXX annexed to my previous complaint. XXXX foreclosure stays I owe them {$25000.00}, but there are no pending payments and I always pay on time so when I called Bayview Loan Servicing with the help of Credit org ( call ID # XXXX ) I could finally talk to them and ask about the claimed amount of {$25000.00} but no explanation was given and they hang up on me. After that XXXX XXXX from Bayview Loan Servicing called me today to say the foreclosure is because of my lack of payment from XXXX this year to present ; which is not true as it can seen the Bank statements. I never missed a payment. XXXX XXXX said he wanted to see the proof of payment so here enclosed are the Bank statements showing the payments. XXXX XXXX neither explained in what was based the claim of {$25000.00}. Making a frivolous foreclosure claim with no legal ground is a serious issue, a total abuse, and an attempt to damage my interests and my health.
( 1 ) Excess payment seems to be applied incorrectly across two loans. I have been registered for the standard excess payment allocation since graduation, XX/XX/XXXX. However, a substantial fraction of excess payment has been applied to the principal of the lower-interest rate loan for several months. Numerical context : - Autopaying $ XXXX/mo since XX/XX/XXXX. 
- Total Scheduled Monthly Payment is $ XXXX/mo. 
- One loan with period beginning XX/XX/XXXX, disbursed $ XXXX@ 5.96 % fixed, according to NSLDS student data extract ( not available from Great Lakes or from master promissory note ) Scheduled Monthly Payment is {$43.00}. 
- One loan with period beginning XX/XX/XXXX, disbursed $ XXXX@ 5.59 % fixed, according to NSLDS student data extract ( not available from Great Lakes or from master promissory note ) Scheduled Monthly Payment is {$280.00}. 

The Scheduled Monthly Payments by individual loan seem like they might be reversed. Regardless, assuming they are correct, the changes to the individual loan balances - and total account balance - do not reflect the rules for applying payments to individual loans ' Scheduled Monthly Payments first, then excess to the loan with the highest interest rate. 

( 2 ) Servicer claims that statements prior to XX/XX/XXXX can not be provided. I have bank statements showing transactions paid out to loan servicer monthly in XX/XX/XXXX - XX/XX/XXXX and every month after. Having these statements will be important for verifying that early payments were applied correctly. 

Actions taken : * Set up spreadsheet model of monthly payments to trace calculation in statements provided online by Great Lakes. Confirmed monthly interest figures within a few dollars ( possibly related to date alignment ), but totally unable to reproduce reported changes to statement balances resulting from excess payments using loan terms, including master promissory note and my NSLDS student data records. 
* Contacted Great Lakes call center to inquire about ( 2 ) and ( 1 ). Initial representative was unable to explain ( 1 ) and admitted he had no idea how to justify from my records, and asserted that statements were not generated for account status before XX/XX/XXXX and therefore not retrievable. Requested to speak to supervisor. Supervisor asserted that a " split factor '' applied to individual loans made within the account when Scheduled Monthly Payment is applied. Supervisor refused to provide " split factor '' and insisted that it was possibly available in Master Promissory Note, but would not identify where it is derived. In fact, it is not available in Master Promissory Note. If I use the Scheduled Monthly Payment amounts for each year 's loan individually, provided in NSLDS student data record download ( MyStudentData.txt ), I still find overpayments towards the low-interest loan. 
* Contacted NSLDS by phone. Was advised that CFPB was involved in litigation against another student loan servicer for similar behavior towards borrowers repaying loans early, and recommended I contact CFPB.
Portfolio Recovery is knowingly reporting false information to the credit reporting bureaus. They bought an account from XXXX XXXX and have continued to falsely report it as a collection account with {$1600.00} owed in my name even after XXXX XXXX removed the account from my credit report after acknowledging that is was not mine. Furthermore, I have disputed this account, and asked for verification. They failed to respond in the required days with the information that was requested. This account is further negatively affecting my credit report and score due to this company 's false reporting and has kept me from being able to establish a mortgage. I am demanding full deletion of this account as a result of not verifying the information or contract allowing them to report it on my credit report before we pursue further legal action.
On XX/XX/XXXX, My younger brother XXXX XXXX did steal a life insurance check for the amount of {$12000.00} made payable to myself from XXXX XXXX XXXX XXXX due to the death of my mother that occurred on XX/XX/XXXX. As I just mentioned, my mother passed away XX/XX/XXXX in her home in XXXX, XXXX At the time of her death I was XXXX and so I paid XXXX to to be XXXX to come home and deal with the loss of my mother. Subsequently, my mother had life insurance and therefor a claim needed to be initiated in order to receive payment. 
My brother and filed our claims to receive payment, however on XX/XX/XXXX I was XXXX to 18 months of XXXX time in XXXX County, XXXX for the unresolved matter that I was home on XXXX for when my mother passed away. My brother took full advantage of my situation and went to my home address, stole my check from my mailbox and EXTRAORDINARILY somehow did deposit MY check made payable to myself into his Capitol One Account with HIS name attached to HIS account that I have no association with whatsoever and of-course it was illegally done. I've brought this matter to the attention of Capitol One on XX/XX/XXXX when I was released from XXXX my XXXX and learned of what my brother did. Included in my supporting documentation is a copy of the check both front and back with my brother 's social security number, phone number, his Capitol One account number, the date of deposit and my forged signature. I have an affidavit of forgery that I signed stating and reiterating the fact that the signed signature is not my own, I've included a copy of my license and my passport that all reveal my signature along with the affidavit of forgery. I've been dealing with this issue for about 4 months to no avail. Furthermore, I received a response to this issue from a woman named XXXX XXXX that gave me her phone number and work hours as a person of contact on XX/XX/XXXX. As of today XX/XX/XXXX I still have not heard from XXXX XXXX nor Capital One, Ive called XXXX XXXX nmerous times at the number and extension provided and have left messages again to no avail. It seems as though Capital One just sent any old response to have this case closed.
My Name is XXXX XXXX, I would like to file an Official Complaint against Debt Collection Agency : National Credit Adjusters XXXX XXXX XXXX XXXX XXXX KS XXXX ( XXXX ) XXXX For the last 2 years XXXX and XXXX respectively, I have been getting repeated calls about a debt collection from the above company. Legally they are only supposed to call me once a day. They have called my personal cellphone several times a day and sometimes evenings, when I stopped picking up their calls they would then proceed and call my work number several times a day as well. They used different area codes to mask their numbers tricking me to pick up, under duress, I stopped picking up numbers I wasnt familiar with. Costing me dearly in the process as I would miss important phone calls mistaking them for debt collectors in fear of harassment by them. On one Occasion I picked up the phone due to excessive annoyance and they threatened me with legal action if I dont comply with a payment plan over the phone. I once again declined the debt as mine and hanged up the phone. 
This year XXXX I sent out 2 challenging letters to them to verify the debt bearing my signature or contractual obligation to pay them since they are not the original creditor. 

" The Fair Debt Collection Practices Act states that the debt collector can not collect any amount of money that is not authorized by the agreement creating the debt or permitted by law. Because there is no agreement between the collector and the alleged debtor, no collection can be sustained. 
In response to the attached letters they provided itemized printout statements of the original creditor which still has no evidence of a signature or legal binding agreement between me and the debt collector to pay them hence they are now validating an inaccuracy. 
Their false reporting to the Credit Bureaus has been very damaging to my loan and credit card application processes. I ask that they remove it completely from all 3 bureaus Please review all attached documents as prior evidence and understand this matter is Severe and help from your office to investigate this is much needed, looking forward to hearing from you Yours Sincerely, XXXX XXXX Debt Collections Agency Victim
Penny Mac loan services is messing up my credit by not applying my payments accurately and their system is not taking my payment timely. Since they acquired my loan I have had delinquent credit reporting for this type of issue. They inaccurately reported my loan 30 days late for XX/XX/2016. I successfully remitted my payment on XX/XX/2016 through the website and it was taken out of my account on XX/XX/2016. Please refer to my bank statement attached. On XX/XX/2016, I logged on an made a payment for XXXX 2016. To date my payment was not taken from my account so I make another payment. This is ridiculous and my consumer protection rights are being violated. My account has been assessed XXXX late fees and property inspection fees for XX/XX/XXXX and XX/XX/2016. My credit has been adversely impacted and my credit score has dropped XXXX points. 
This is a demand letter and I am going to file a lawsuit in federal district court as I am unable to get a loan for XXXX and have damages now over {$75000.00} to to loss of credit opportunities. Since acquiring my loan, my credit has been impacted with XXXX 30 day late credit reporting. If my credit is not suppressed for XX/XX/2016, XX/XX/2016, and XX/XX/2016, I will proceed with filing a lawsuit Pro Se XXXX. Please be aware that I have already filed a complaint with HUD do to loss of refinance opportunities and discrimination.
Experian had a security flaw in which our personal Credit Freeze PIN numbers may have been exposed. They never notified us, but I found out about it from XXXX XXXX the Consumer Advocate. Since the PIN is generated by Experian, I would like to change the PIN for a new one in  order to ensure that the previously exposed PIN due to Experian 's security flaw can not be used to thaw or otherwise access my credit. 

Experian does not offer a way to change the PIN or even request a new PIN on their website. I have tried numerous times to call Experian to resolve and have a new PIN generated, but I can't get through the automated system. It will either try and sell my a credit monitoring service or hang up on me. 

Since this is a somewhat series security issue and could allow criminals to circumvent the credit freeze, I would like Experian to honor the terms of the FCRA and generate a new PIN to ensure my account security.
XXXX sent an account to XXXX XXXX for account I have no knowledge of incurring. I contacted them twice once on XXXX XXXX and a second time on XXXX XXXX to get information with regards to this debt, but they are unable to supply me with any information with regards to debt and has offered no resolution other than contact collection agency. This charge has been reported to credit report agencies, which in turn has affected my ability to get credit.
In XX/XX/2012, due to rough life circumstances, I had a van repossessed. In XX/XX/2017, a collection agency by the name of Nelson, Cruz, and associates contacted me about a debt that was turned over to them by XXXX XXXX XXXX for said van. XXXX XXXX XXXX ( who conveniently no longer works for Nelson, Cruz and associates ) offered me a settlement to get this debt paid and cleared off my credit and I have the settlement letter I was sent. I agreed to the offer and began to make the monthly payment we agreed upon. After about XXXX to XXXX of making on time payments, XXXX XXXX called me back and said if I would just pay XXXX lump sum payments totaling {$1000.00}, they would consider my debt paid in full. I sacrificed to make those payments but I did, and I also have the letter that states I made my payments in full, on time, and that there is now a zero balance on behalf of XXXX. However, I've been calling XXXX to find out why they're still reporting me to the credit bureau and they are now ( over a year later and my offered settlement was paid ) XXXX XXXX and XXXX XXXX, directors with XXXX, are trying to tell me that they never approved the settlement amount that Nelson Cruz, the collection company they hired, offered me and they refuse to honor it and demanding I pay them an additional amount of over {$4300.00} for them to just remove this from my credit!! I need help, please.
Interest that accure and the balloon interest that went on loan in the short period of time since navient taken over the loans, unreasonable customer service providing lack of information. Asked for verification to validate my loans to make certain everything being shown is account. Have n't received any documentation. Attended XXXX University in XXXX which is now closed.
Rcently, I had an account from XXXX XXXX XXXX  removed from my credit report, after multiple disputes, due to fraudulence and XXXX XXXX XXXX ' failure to VALIDATE the debt by providing a signed contract. On XX/XX/2017, XXXX  XXXX XXXX placed a collections account back on my credit report for the second time, failing yet again to VALIDATE the debt by providing a signed contract. Despite already being founded as a non-validated debt and being previously removed from my credit report, XXXX XXXX XXXX continues to send me invoices via mail and contact me by phone. This is a direct violation of the Fair Credit Reporting Act. I have disputed this with Transunion several times, only to receive no correspondence.