WillisBack/dataset-financial-user-claim huggingface dataset:
My online account was compromised, Navy federal credit union gave me a call to warn me of compromise and the fraud that was placed on the account I sent in documents to verify I was b XXXX  for XXXX XXXX : XXXX XXXX with XXXX, XXXX, XXXX and XXXX XXXX. I also sent in the statement of forgery to eliviate the problem they stated they never received it. The account is negative XXXX and i dont have access to any money. my VA check is XXXX and they have to mail paper checks because of the issues with the account, I have not been paid in 3 months the VA 's system will take 2-3 weeks for each check to be printed and mailed I am late on bills, and childcare because of this. the bank will not approve me for a loan because of the negative balance and they're stating i have to pay to be eligible for anything. This has caused a repossession and late bills and the bank is not doing anything whatsoever to resolve the matter I've banked with Navy Federal for 5 years and they have lost a customer. 

Claims were for XXXX, XXXX, XXXX, and XXXX on XX/XX/XXXX. The compromise department called to inform me of the hacking and locked my account completely, i went to withdrawal funds and the withdrawal was declined. the funds that were put into the account and reversed back out no money was used besides the OOPS overdraft coverage. The only claim I filed was for XXXX the bank representative was on the phone with me and XXXX  on a 3-way call and XXXX verified they did not receive the payment after 1 month and 13 days they issued the credit and took it back. this has created a bind and financial issues for myself and my family.
I paid XXXX XXXX XXXX   HRRG on XX/XX/2018 a medical debt which I had disputed. I felt like it was easier to just pay them. However, the debt collection calls have continued. On average, I receive 4 calls a day from XXXXHRRG. I contacted XXXX. They confirmed that the debt is paid-off. Every time I talk with them, they tell me that the calls will stop and I would be removed from the call list. However, the harassment has continued for over two months. Some of the recent calls came from : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX. The HHRG is an alias for XXXX  XXXX XXXX. The HRRG website is hosted on the same webserver as XXXX. HRRG and XXXX both operate from XXXX, FL and XXXX, OH. 

I confirmed on XX/XX/XXXX that the HRRGXXXX  debt was paid during two separate calls. I was told that it would be updated and the calls would stop. However the calls continue to persist daily at all times.
I contacted Amcol after I had been forgiven for a debt to XXXX XXXX XXXX. I spoke with the rep and asked had they been contacted by XXXX to remove these debts from credit report. Was instructed to send in the letter stating that the debt had been forgiven with the financial assistance. On XX/XX/XXXX I faxed the letter waited 24 hour called back. Amcol staff confirmed they received the letter and instructed they would send the debt back to XXXX for confirmation and to wait one week for a response. I called back XX/XX/XXXX and a rep instructed me that XXXX had indeed given 100 % financial assistance but that did n't apply to my patient portion of the bill. I again called XXXX to be sure that all my accounts had been forgiven and there no accounts still owed. XXXX XXXX XXXX of XXXX again assured me I owed them 0.0. I again contacted Amcol spoke with XXXX who gave me the dates ( XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX ) and a total owing over {$4000.00}. I again told him these dates were covered under the financial assistance. I have since faxed them again my account summary with dates and details showing the {$0.00} balance. Amcol position has not changed and still attempting to collect this debt and continues to report this debt to all 3 credit bureaus.
For most of my life, i 've used cash and never really knew what credit was growing up. Over the last year, I noticed some fraudulent items on my credit that I did n't open. They are all over the XXXX Texas area, and the local police department does n't want to seem to help because its hard to find them. My credit suffered, not as I used it anyways but still, I do n't have a good start. I went online a couple of times to dispute stuff, and nothing happened. Since having my report ran and talked with the federal trade commission, they advised submitting documents to credit bureaus and the negative source who is saying. And to keep responses and when it was sent.
I had decided to cancel my homeowners insurance with one company, and go with another company 2 months prior to the end date of the policy. I had gone to a local branch to inform of the change, and make sure the company that I was leaving would not be paid and the new one would be paid for the upcoming year renewal. The representative took down all the information, and stated that she would make sure the now old insurance company would n't be paid, and would only release a payment to the new insurance company. I received a notice this week to inform that both insurance companies have been paid in a total amount over {$2400.00}. After paying two different insurance company Bank of America ran an out-of-cycle escrow analysis report knowing that two insurance companies had been paid ; which will cause my mortgage payment to increase effective XX/XX/XXXX, 2018 close to {$200.00}. I have contacted the branch representative who stated that she had forgot to get the information over to the mortgage company, and it was my responsibility to contact the insurance company to get the refund back on a cancelled policy. I was informed by the insurance company that a refund could take up to 7 weeks. In the meantime, the mortgage company knowing that an error was made on there end will not remove the escrow analysis which will cause the mortgage payment to increase.
I originally disputed with Experian on XXXX/XXXX/15, I received a response dated XXXX/XXXX/15 stating that my dispute was " suspicious '' and was not sent by me. I 'm not sure how they verified this information when I even included my drive'r 's license, a current utility bill, my signature, social security number on the letter. What more do they need from me? You will see all of this in the documents that I am attaching with my complaint.
Using the chase website, I received a notification in early XXXX 2017 about a promotion for opening a checking account with chase ( {$300.00} ). I printed out the promotion paperwork and went to my local branch to open an account ( as directed promotion paperwork ). The chase banker who helped open the account must have inadvertently not entered the promotion code. I 've waited patiently for several months ( after meeting all requirements ) for the {$300.00} to post. I recently called in to confirm the details and chase said that I did not properly enter the coupon code in my application. I recommend chase review their security camera footage from the branch in which i opened the account, and issue the {$300.00} as promised. There was no way for me to confirm the coupon was entered correctly. I made every attempt to provide the proper coupon details to the banker and he assured me that he properly entered the coupon correctly at the time of application.
We filed for chapter XXXX bankruptcy and during this payment plan our GMAC loans were sold to Ocwen. In XXXX 2014, we completed our bankruptcy payment plan which also included an adversary proceeding for our XXXX mortgage with ocwen. After everything was completed and filed with the courts, we received a notification of payoff from Ocwen on the XXXX mortgage and our note stamped paid. Now, we are attempting to close on our house and find out that ocwen did not record the lien release with the county. We have attempted to contact Ocwen 2 times, the title company has attempted 4 times and we do not get any return phone calls or action. We are now facing, not being able to close on our home because of Ocwen.
My credit report, through XXXX, suddenly shows an amount of {$51.00} that was originally owed to XXXX. ( This is false and verified as false with XXXX ) It shows a balance date of XXXX 2016. It  states that the status of this " account '' is in collections and further shows the past due amount as {$0.00}. This false report is negatively impacting my credit report. <P/>The company attached to this false report is : Debt Recovery Solutions XXXX XXXX XXXX XXXX XXXX XXXX, NY-XXXX ( XXXX ) XXXX
I submitted disputes of errors on my credit report and included notarized drivers license and proof of residency to remove fraudulent address and unverified and inaccurate information showing on my credit report, namely XXXX. The following has not been validated according to the fair credit reporting act 623 ( a ) ( 3 ).

According to the FTC opinion letter, regarding the type of validation required by section 809 ( b ) of the Fair Debt Collection Practices Act, an itemized statement of services rendered, requires the information from the Original Creditor. Meaning the name of the original credit grantor as reflected in the K1 Segment in Metro 2 and should be consistent with the Credit Reporting Resource Guide., therefore provide me with the name, address and telephone numbers of anyone from the original creditor you contacted concerning the unverified and inaccurate accounts and addresses listed below per the FCRA 611 ( a ) ( 1 ) ( A ).
The Representative - XXXX XXXX for XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX repeatedly contacted me earlier today with regard to collecting an outstanding Payday loan that had been referred to his office for collections. He left several voicemails on my cell phone while I was at work with him laughing stating " I win '' and singing " it 's a lonely world '' XXXX XXXX repeatedly called me " XXXX '' and " terrible person '' who " does n't deserve to walk the face of this earth '' and demeaned my level of education although I have a XXXX XXXX XXXX from a very reputable university. He proceeded to threaten to expose private confidential personal information to my employer which is wholly illegal. He even went so far to attempt to demean me by asking if I visited my mother in jail, she is n't and has never been incarcerated and even if she was, this is beyond acceptable conduct. 

He threatened criminal charges would be filed against me and that my assets would be seized if I did not provide him my credit card information immediately. Furthermore, XXXX XXXX refused to allow me to speak with his supervisor or another representative as his level of harassment was well beyond anything that I have experienced before. 

The conduct of this company has been well documented by multiple parties other than myself and was substantiated by another representative whom I speak with who also stated " I do n't like him either because of the way he treats people. '' It is absolutely unfair to the consumer to endure such harassment and defamation because of {$400.00}.
On or around XX/XX/2016 BBVA compass charged me XXXX NSF fees {$38.00} each total {$74.00}. I have told them repeatedly before this incident that I do not want that type of account. I want a prepaid type account ( if there are no funds, there is no fee but the item is not paid ). Each time they have assured me this would not happen.
I sent them my FTC fraud affidavit package and told them that I did not get a payday loan, because I have been unemployed and getting VA benefits for many years now, and I never had a checking account since I was XXXX years old. I have no checking or savings accounts and no checks. I suspect that someone stole my I.D . sometime when I lost my ID many tines when I was homeless living on the streets. But, they said they do not believe me and will continue collecting and will file a lawsuit against me for writing bad checks.
In XXXX, I filed a complaint against GM Financial. I had settled a defaulted loan I had with the back in XXXX, but they had yet to update this account as resolved on my credit report yet. Today, I received a letter from GM Financial, essentially stating that they have not updated my account yet, because I disputed it. Also, as of today, they are still reporting the account as unresolved on my credit report. 

For reference, I am attaching a copy of GM Financial 's recent letter, and also a copy of my settlement and payment receipt from XXXX. 

First of all, GM Financial 's claim that they can not report accurate information about my account because I disputed it is completely bogus. As is my right under the Fair Credit Reporting Act, I have the right to dispute anything that is inaccurate on my credit report. GM Financial does not have to right to " punish me, '' simply because I wanted correct information reported. 

Also, they did n't even address the fact that they are still reporting incorrect information on my credit report, more than 3 month after-the-fact.
i am a victim of identity fraud. There are several accounts in my name that I have no knowledge of whatsoever. The accounts reported as 33 different accounts and are as listed : XXXX XXXX XXXX {$9900.00} open XX/XX/XXXX ; XXXX XXXX {$6600.00} XX/XX/XXXX ; XXXX XXXX XXXX   {$3500.00} XX/XX/XXXX ... there are several accounts reporting from XXXX XXXX XXXX/XXXX  from the year of XX/XX/XXXX-XX/XX/XXXX. By  law and statue of limitations, these accounts should not be reporting to my credit after 7 years. There are also several accounts reporting to my credit from XXXX XXXX XXXX/XXXX in amounts of {$2500.00}, {$3500.00}, and more. All accounts from this company are reporting from the years of XX/XX/XXXX-XX/XX/XXXX which also defied the statue of limitations for debt collection reporting. There are accounts reporting from XXXX XXXX from XX/XX/XXXX which should not be reporting. State of MI Office XXXX in the amount of {$6300.00}, this is a fraudulent account open XX/XX/XXXX. Theres a fraudulent Auto Loan opened from XXXX XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$31000.00}. There are multiple accounts reporting from XXXX XXXX XXXX XXXX /XXXX/XXXX  opened in XX/XX/XXXX that also break the XXXX.
The credit reporting agencies XXXX XXXX  XXXX XXXX and Transunion XXXX are in violation of reporting unverified, an unvalidated account on XX/XX/2018 information provided to them by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MI XXXX. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts from my credit eport
I DISPUTE THE XXXX ACCOUNT XXXX XXXX & AND N.D.S.C. XXXX XXXX, I want verification of these accounts I have DISPUTED my loan documents with XXXX over the past few years there answer to the complaints is file for a loan modification and if approved the outcome will resolve the problems. 

No More i do not want the run around any more XXXX has lied to me and has lied to Hud and the BK trustee in the past and they might be lying to the company they hired to complete the foreclosure on my house. 

I have been told by XXXX that the foreclosure was stopped then i find out it is on again and today XXXX told me it was all being done by National Default Servicing Corporation and it was out of XXXX hands. 

I want to know who is doing what is XXXX or is National Default Servicing Corporation making the decisions about the foreclosure on my account? 

I got a loan for the past due amount and to bring my loan current with XXXX but i still have not received the past due pay off amounts, Also there is a title deed problem the old second is still listed on their they did not remove themselves after they were paid off before they went out of business some time around XX/XX/2010 Because of these things i have asked for a 10 to 15 day delay on the foreclosure sale date. 
XXXX has switched my workers around 2 times over the last few weeks and nobody knows nothing XXXX needs to explain to me about the fake loan document they have and were they came from.including the notarized stamps by my name when i was not even in XXXX XXXX CA when they were dated and stamped by someone,
I submitted a letter on XXXX/XXXX/16 to all XXXX Credit bureaus asking them to verify and validate debts listed on my credit report not only did they not verify some of the accounts updated on my report as if they are still active. XXXX keeps falling off my reports then reappearing saying I owe XXXX dollars to capital one but they have not responded to my request for validation.
On my credit report I notice a delinquency, for a charge of {$190.00}, that had been sent to collections. I had never received that service ( XXXX ) or received a bill from ( XXXX ). XXXX has acknowledged the mistake and has claimed to be fixing the issue. I did not find out about this charge until the credit report.
This company repeatedly calls before XXXX XXXX and after XXXX XXXX and has been for many years. They were asked to verify it was my debt and were unable to do so. They say things like " tell XXXX to pay her XXXX bills. '' They have sent XXXX letters from lawyers saying if I do not contest the debt it is assumed valid and I will have a judgement against me. I have called the original creditor and they do not have information for me about the debt. I tried speaking to portfolio, but every time I did, they updated the collections date in my credit report to cause my score to drop. They check my credit report multiple times a month. This company is unscrupulous and unethical and they have been for many many years. I tried speaking to them, but they are verbally abusive. They call 10-20 times a day.
After reviewing my credit report noticed an account collection by XXXX. I contacted the original creditor, Discover and requested documentation validating the balance which they were unable to provide. I have since then tried to dispute this directly with Discover to no avail. This is damaging to my credit and preventing me from future financing opportunities.
Hello, My Name Is XXXX XXXX. I Am Trying To Clean Up My Credit. Ive A Collections Notice On My Credit Report From XXXX XXXX  Of MI, Who Bought The Account From Midwest Recovery Systems For {$510.00}. 
I Called The Company Requesting For The Original Document and Was Told They Are Not Allowed Too Give It Or Mail Any Information. 

I Have No Knowledge Of This Account and Im Asking You To Remove It From My Credit! Thank You! XXXX
Payment History Information is Incorrect. 

I have currently TWO missed payments for my student loans but I indeed made those payments on the website. 

My account has an auto debit on the account and unfortunately there website had lot 's of issues with not charging my bank account. 

I made a payment with a confirmation email and everything but weeks later it still showed I missed such & such amount of days until they reported it to the credit company. 

I have made EVERY payment every month but for some reason on XXXX, it shows I was late which is wrong. 

I have called the student loan company and they said this was forsure there fault and error but I haven't still heard back from them. 

Below I will show screenshots of all my payments made except for that one month.
XX/XX/2018 & XX/XX/18 Having problems with Navient applying payments to the right loans to the to avoid them saying payments are late and applying late charges and getting harassing phone calls say I am delinquent. 
XX/XX/2018 & XX/XX/18 Changing due dates without consulting with the borrower to confirm that is a good due date and then applying late charges. 
XX/XX/2018 & XX/XX/18 Talking to supervisors and representatives about fixing the problems and nothing ever gets fixed. 
XX/XX/2018 & XX/XX/18 Not having the correct loan payment amounts on account to pay the loan without having to go through a Navient employee to get things fixed. 
-Being transferred to a million different employees before getting to one who can actually fix the current issue. 
-Told they will fix said problem, but then it is never done. 
-Spending up to a hour in a half to get to someone who will fix the problem. 
-Account showing late fees and employees telling me there are no late fees that were put on. 
-Told I needed to contact the XXXX XXXX XXXX XXXX XXXX to solve issues with Federal garenteed and subsidized loans that they were the one to anwser questions about those loans when really it was just another department within Navient. After call Department of Education they tell me that it is the responsibility of the loan holder to handle all loan problems that they have nothing to do with them any longer. Same problems when having to fill out the yearly income driven plan paperwork. 
These are just the tip of the iceburg of the numerous problems we have had with navient since they took over my student loans.
XX/XX/XXXX, my wife was diagnosed with a XXXX XXXX XXXX XXXX XXXX in her XXXX. The XXXX went to her XXXX and XXXX and XXXX in a short time. While my wife was in XXXX XXXX XXXX PenFed Credit Union would call me while I was with my wife in the XXXX XXXX. I had explained to then the cituation that I could not afford to pay the Credit Card because my wife was no longer working. A person from Penfed who was a man called twice and was very, very rude. He was arguing with me and demanding the money. I told him my wife was fighting for her life and we could not afford to pay. After talking to two ladies at Penfed, they said he was not supposed to do that. I kept getting calls from Penfed while she was fighting XXXX. I was harassed while I was helping my wife fight for her life which ended on XX/XX/XXXX when she passed away in XXXX. Another company called. Another company recently did the same thing when I was harassed by then and the man threatened to sue me. He was very mean to me. The company is called XXXX XXXX XXXX.
I had decided to end my business relationship with XXXX XXXX, DE. I had a XXXX with this financial institution, and decided to transfer the current balance over to a different card. Thus, I had no reason to monitor my account. I had not realized that a vendor that I had done business with in the past ( XXXX ) had been posting unauthorized charges to my XXXX XXXX, until I had begun receiving emails from XXXX regarding my account being past due. By that time, I had already been 60 days late in paying my credit bill. I quickly contacted the vendor, and explained the situation, and XXXX had credited me back for the amounts they had charged to my card. I then went to XXXX, and they reversed all late fees. The problem I am facing is that both XXXX and TransUnion are refusing to remove the 30 & 60-day late entries on my credit bureau reports ( which are the only adverse information on my report ). This is where I need help -- in getting these negative items removed from my report to retro-chronologically reflect what my report should have had, had there not been any unauthorized charges to begin with.
XXXX XXXX, 2017, I contacted Bonded Collectors in XXXX, WI., to try to set up a payment plan. XXXX, the agent I talked to, said he would not accept the $ XXXX/month that I offered and said that I would be in contempt of court and that my wages would be garnished if I did't pay this debt off.