WillisBack/dataset-financial-user-claim huggingface dataset:
I obtained a car loan through XXXX XXXX XXXX. on XX/XX/XXXX. On XX/XX/XXXX the car was repossessed.I had not taken possession of the car again after that time.On XX/XX/XXXX, XXXX XXXX reported to the credit agencies that the car was repossessed. (Not sure why, maybe to extent the bad credit filing)On XX/XX/XXXX XXXX XXXX reported to credit agencies that I reopened the same account.On XX/XX/XXXX XXXX XXXX reported to credit agencies that the car was repossessed. This leaving the account on my credit until XX/XX/XXXX.I have attempted to resolve this matter with XXXX XXXX and the credit agencies with no avail. XXXX XXXX continues to put fraudulent information on my credit report and refuses to correct their own error.I have only had one account with this company, which ended in XX/XX/XXXX upon them taking possession of the car.
I have disputed a transaction for {$1600.00} with Capital One Credit Cards, since the company XXXX Billed my card without my authority for $ XXXXXXXXAt no stage has capital one provided with the payment slip with my signature authorsing this charge, there is no follow up from the Capital One Dispute team and no one in capital one is taking ownership of this problem. 

This charge is clearly unauthorised and should be refunded back to me by Capital One.
I tried to obtain credit from XXXX. They informed me that my correct and current phone # is reflecting on my credit report. Since I have a fraud alert I was unable to obtain credit and had a hard inquire effecting my credit score. I have contacting the Experian on numerous occasions since XXXX 2016 informing them of the situation and they assured me that this issue will be resolved and my correct personal information will reflect on my credit report. This has not take place!
Please reference the initial complaint - Case number : XXXX filed on XXXX/XXXX/2015. This complaint is for HSBC account # 's XXXX XXXX and XXXX and excludes the XXXX XXXX account. HSBC has never responded to the XXXX complaint. HSBC has never responded to my XXXX XXXX, 2015 letter. " Allegedly '' the credit bureaus were able to verify this information with HSBC. 

Bottom line, to date I have not received any verification documents on these accounts. HSBC has exceeded the legally accepted 30 day allotment to verify these accounts. According to the FCRA rules, if a creditor does not verify the debt within 30 days to the debtor, they are not allowed to continue attempting to collect the debt, nor can the creditor list the debt on the consumer 's credit report. 
This is a clear case of unverified debts that need to be removed from my credit files immediately. My only option left is to file suit.
A company named Coast Professional Inc utilizing an address of XXXX XXXX, XXXX XXXX, LA XXXX is attempting to collect a purported debt that if valid, would have been at least XXXX years old. Under California law, where this purported debt would have arisen, the Statute of Limitations ( SOL ) is XXXX YEARS. This appears to be a shake down by a shady firm who probably bought this debt for XXXX cents on the dollar and is hoping that people will acknowledge the debt and restart the SOL. This is harassment. I have responded them in writing, as requested by the shady company, that I do not acknowledge the debt and that I am reporting them to the CFPB. Moreover, in there letter, it states that if you do not dispute the validity of the debt in writing - they will construe silence as a reaffirmation of the debt.
Hello again, My name is XXXX XXXX XXXXr from XXXX XXXX XXXX XXXX  NC XXXX.

I am writing with an immediate urge to remove 4 entries of collections off of my report with you. I am a veteran over XXXX   years old now. And to think that you treat us US Citizens like this is unconscionable.

I have filed a complaint with the Identity Theft board of the Government and am looking forward to when the entries below will be removed from my report.

XXXX XXXX XXXX XXXX : {$75.00} -XXXX XXXX XXXX XXXX : {$59.00} -XXXX XXXX XXXX : {$150.00} -XXXX XXXX XXXX : {$1000.00}
I was contacted by  Stallings Financial Group o n Friday,   XXXX   XXXX    2017 at  my place of employment concerning a claim that I owed {$180.00} to   XXXX   XXXX   XXXX   XXXX   XXXX  . I spoke with  XXXX   XXXX  and explained to her that the debt had been paid previously. She stated I would have to have the practice contact her and confirm this. The practice was closed for lunch when I contacted them so I logged onto their patient portal and made the request. This payment had been made on Monday,   XXXX   XXXX    2017 by  means of my  XXXX   XXXX  for which the payment information had been dropped off in-person at the practice.     This amount had gone overdue due to the practice sending the invoice to the wrong mailing address. They had the correct mailing address but did not use it. I had not been informed of the debt until the current resident at my old address had provided me with some pieces of mail that they had received for me.     I contacted  XXXX   XXXX  by  telephone  a second time on Friday,   XXXX   XXXX    2017 an d told her that I had a copy of the   XXXX   XXXX   statement showing the payment had been made a full month earlier. I asked how I could email this to her and was told to email the scanned copy to   XXXX  , include the Item number and that they would take it from there.     On Saturday,   XXXX   XXXX    2017, I r eceived a letter from  Stallings Financial Group  demanding payment for this same debt. On Monday,   XXXX   XXXX    2017 I co ntacted  Stallings Financial Group  and again spoke with  XXXX   XXXX . She stated that they had not received the email and to resend it. I told her that I wanted a fax number to send the information to as emailing this information had not been effective previously. I called her back 2 hours later and she stated she had received the fax and that it was being " reviewed '' by her manager. I asked when I would receive a call back or when I should call them back to confirm that the issue was closed. She informed me that I should " give it a week ''.
I received my consumer report from Chex Systems and upon reviewing my consumer report, I discovered some unauthorized and fraudulent inquiries listed on my consumer report. The following inquiries listed on my consumer report are unauthorized and fraudulent : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
They lied about speaking with me and put lies into my " file '' stating i oked things i never did or stating they spoke to me and never did. They charged me additional " interest '' on the already high interest that i paid. i sent my payments to the address that was given on the payment coupons and apparently the computers do n't link together because every month they would call harassing me about being late.
I have applied for Wells Fargo XXXX and I was told by a rep, that each point I earn on the card I would be able to redeem for XXXX cents per point. When I log in into my account I see only redemption for XXXX cents. i called numerous times about it, but every time I 'm told bank is looking into it and they have created case # XXXX. No other updates at all.
I was allowed to cash eleven ( 11 ) Money Orders each for {$990.00} between XXXX XXXX XXXX, XXXX. All eleven have turned out fake, and now the bank is demanding full payment of the overdrafts on the checking and savings accounts used. Fees and fines are continuing to pile up on top of the overdraft charges. These money orders were part of a secret shopper scam I fell victim to, and were fake. The bank continued to cash these well beyond what funds were available in the accounts, so I assumed they were valid. Otherwise, they would require me to deposit them until they had cleared. The bank scanned them and kept cashing them. If the bank could not tell they were fake, how could I? Why did they not require me to deposit these until they had cleared? Other tellers I have talked to immediately knew this situation for a scam. Why do the tellers at one branch of the same institution receive different training than the others? On XX/XX/XXXX, I noticed a negative balance in my checking account. In tracking down the problem, the fake money orders were discovered. The accounts were frozen. Unfortunately, these were joint accounts with my mother. She is being punished as well. She has already lost her XXXX Social Security Deposit, and has been living in terror for over a month about losing her home equity loan. The original loan was taken out in XXXX, and she has never missed a payment. Her credit is ruined, and she could never get another home loan with payments she can afford on a fixed income. Between XX/XX/XXXX and XX/XX/XXXX I have tried to set up reasonable payment plans. I am actively looking for work, and I am confident I will soon be employed. I have 4 acres of land for sale, and it will sell-but not overnight. Nobody can tell us if my mother will become homeless by losing her loan. Nobody can set up a reasonable payment plan with me, until I can make larger payments. The only advice we get is wait on the recovery team to contact you, while we are getting continuous notices and letters demanding payment in full of outrageous overdraft amounts. When we can't pay in full, more fees and fines are tacked on. Meanwhile, no word from this recovery team. My mother is elderly, and living in fear each day is not good for her physical and mental health. She is convinced she will soon be homeless. I was victim of a scam, and my mother is paying a horrible price. Please work with me on reasonable payments until I can make larger payments. Most of all, PLEASE do not change my mothers home equity loan forcing her into homelessness. Thank you for your time and consideration.
We had a parents loan and payed it off in XXXX 2016. I forgot to put the account # on the check but it was cashed by Navient. It was never a credited to our account. We are being harassed by " Student Assistance Corporation '' with phone calls and emails. We have called Navient numerous times and they pretend this is all news to them and then I ask for a manager and ask them to check the notes on the file and they agree we have called numerous times and they will fix the situation. One month later the phone calls start again and when I call they never " recognize '' the name of the person who promised to fix the situation. Amazingly they do n't know what we mean when we tell them we have a " cancelled check '' for the exact amount.The phone calls are relentless and frustrating because we have paid this in full back in XXXX and we do n't want to be penalized on our credit rating. I have asked for the name/department to appeal this issue and they tell me there is no way to file a complaint. How is that possible? Why were they ever given this contract? We signed the loan with the department of Education.
CREDIT COUNSEL INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Address identification number XXXX Company contacted me several times claiming {$300.00} owed for services rendered in XXXX 2014. Its been 4 years and I disputed the amount owed directly with them and they were not able to provide any proof of services. Company decided to report to credit bureau. I called today after seeing it on my credit report. A male representative HUNG UP ON ME. Unacceptable behavior by a representative who is federally and state regulated entity. You help is greatly appreciated. 
Thank you
I was denied a credit card and the reason cited was that my credit score reflected a debt that was sent for collection. I am unaware of this. When I requested my credit report, I didnt see anything about accounts sent to collection.
Portfolio Recovery Associates is reporting inaccurate information on my credit reports. 
It shows Account Status as 'Closed ' for an open account and also call themselves a " Factoring Company '' instead of a 'Debt Buyer '. 
Amount on the account is {$2600.00}. 
I have attached a document as evidence.
I would like to submit a complaint against ( XXXX XXXX XXXX ) regarding unknown cable account ( s ) XXXX, XXXX and XXXX for {$670.00}, {$780.00} and {$500.00} reporting on my credit report ( s ). The account ( s ) were placed on my credit report ( s ) without following the Fair Credit Reporting Act laws to validate the debt and allow time for proper dispute. ( XXXX XXXX XXXX ) never mailed me any letters or communicated with me in any manner regarding this alleged medical account ( s ). I mailed ( XXXX XXXX XXXX ) a certified, registered and tracked letter via the United Stated Postal Services on  XX/XX/2018 requesting validation of the account ( s ) ( XXXX XXXX XXXX ) reporting on my credit report ( s ). ( XXXX XXXX XXXX ) has not responded to my letter requesting debt validation. Therefore, I contacted the original creditor ( s ) XXXX XXXX listed on my credit report ( s ) that ( XXXX XXXX XXXX ) claimed to be collecting for. XXXX XXXX, the original creditor ( s ) stated I did not have any outstanding account ( s ) /debt ( s ) with them. Which I knew before contacting XXXX XXXX. I have not had an account with XXXX XXXX for over ten to eleven years. 
I advised the XXXX representative I was speaking with via phone, that XXXX XXXX XXXX was reporting three collection account ( s ) on my credit report ( s )  claiming to be collecting because XXXX XXXX sold/assigned the account ( s ) to them. The XXXX XXXX representative advised me there was no way XXXX XXXX XXXX would or could be attempting to collect on any account ( s ) that are over ten years old and in addition XXXX XXXX has absolutely no records of assigning any account ( s ) in my name to XXXX XXXX XXXX. Moreover, the XXXX XXXX representative stated cable account ( s ) /collections are uncollectable after three years in Louisiana due to the state statute of limitations and a seven-year federal statute of limitation for reporting to consumers credit reports. Therefore, ( XXXX XXXX XXXX ) have violated several state laws, FDCPA and FCRA. ( XXXX XXXX XXXX ) is engaging in fraud, I was never notified of this alleged account ( s ) /debt by mail, letter or any form of communications before ( XXXX XXXX XXXX ) reported and placed the account ( s ) on my credit report ( s ), misrepresentation of debt ; and attempting to collect debt/account ( s ) beyond both state and federal statute of limitations. 
These erroneous entries by ( XXXX XXXX XXXX ) are detrimental to my overall credit rating and has caused me severe financial and emotional distress and anxiety.
On XX/XX/XXXX this record by RECEIVABLE RECOVERY SE was placed on my credit report. I have not received any letters, phone calls, or emails pertaining to this account I know nothing about. I have medicare and health insurance so I know I don't have any bills with anyone. I don't know why this account was placed on my credit report. RECEIVABLE RECOVERY SE RECEIVABLE RECOVERY SE XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$300.00} XXXX XXXX XXXX XXXX, LA XXXX ( XXXX ) XXXX
Macys/Dsnb, XXXX XXXX XXXX, XXXX, OH XXXX is reporting my account as a charge off, however, I paid the account in full. Macy 's credit card stopped sending me invoices. I continued to mail checks to Macy 's but they never credited the checks to my account. I was told they did n't receive them. I sent them to the address that is on their web-site. I also verified the address once told that Macy 's was not receiving the payments. I want the negative information reported by Macy 's to be removed from my credit report. I filed a dispute, but Macy 's refused to remove the negative information.
I purchased a {$200.00} gift card with a debit XXXX  logo. I tried to register the card, check the balance on the card, make an online purchase with the card and use the card a debit card. Nothing works. I tried going to the website listed on the card and it is not accepting the number. The store I purchased it from will not refund my money.
My husband and I closed on our home in XX/XX/2017 with MB Financial via XXXX XXXX. My original mortgage payment, including taxes and insurance was approx {$750.00} ( {$510.00} for principle and interest and {$240.00} for escrow ). I've just received an ANNUAL ESCROW ACCOUNT DISCLOSURE STATEMENT ( attached ) that changes my payment to {$940.00} reflecting the original principle amount of {$510.00}, a slight increase in taxes and insurance amounting to {$260.00} and {$160.00} of escrow shortage. I'm told that that {$160.00} * 12 months reflects a shortage of {$1900.00} in my escrow account as escrow is paid in arrears. What I was not informed of is that there is a minimum dollar amount to be kept in escrow. It's my understanding that the bank not collecting enough monies at closing is the problem, a problem that I certainly shouldn't be responsible for.
I have been dealing with this for three years. I have paid three different companies to help me with my mortgage. I do n't remember the name of the first agency but the owner was charged with fraud and has been doing federal time. The second company was XXXX XXXX, and the third is XXXX XXXX. My mortgage has been sold three times. It was with XXXX, sold to XXXX XXXX, sold to a XXXX XXXX XXXX, then sold and currently with Rushmore. In XXXX 2017. The representative from Rushmore supposedly told my rep from XXXX XXXX, XXXX that they were not going to consider me for a modification because I had used up all my appeals and the investors where not going to consider me for a modification because they did not like my income ( I work a full time job and I have a small business that is from my family on XXXX XXXX. ) They did not like that my XXXX XXXX did not pay every month on time. I have provided my income, bank statements, tax information, and leases over and over and over again and explanations of how I got behind. Nothing was ever good enough. They told my rep in XX/XX/XXXX that they had a sale date of XXXX XXXX, 2017, that they canceled. My representative calls me every to weeks and tells me that I am still in active foreclosure but have no sale date. The bank has never filed foreclosure paperwork. I have gotten on line and done a search. I have never gotten any certified letters of foreclosures and there is nothing in the courts. She called me today and left the same message. The only time that I have any attempted resolution was with XXXX XXXX. Who told me that XXXX XXXX offered me a modification. Of which that time I was only six months behind, from trying to get assistance. Their idea of modification was that I pay two payments a month for three months. If I could n't make the regular payment I still do n't understand where they think I could get the money for two payments a month. I want to save my home, I have just asked for a payment that is more manageable. I am in the process of selling a property to help with the back payment. NOONE WILL HELP ME. I was told by the representative with XXXX XXXX that they could go to court and force Rushmore to assist me. I have been told that I qualified for the HARP program, but am now told I do n't. I have asked XXXX at XXXX for copies of very communications they have had with the mortgage company and you will see from the attached information. She sent me back everything that I supplied to her, nothing of the communications between her and the mortgage company. PLEASE HELP ME. I DO N'T WANT TO LOOSE MY HOME. I just need assistance with the payment and getting caught up.
I have been trying to get my Private Mortgage Insurance Removed from my mortgage since XX/XX/XXXX when my mortgage dropped below 80 % loan to value. Last year my mortgage was sold from XXXX XXXX  ( Under mortgage # XXXX ) to Ditech Mortgage ( account # XXXX ). I reached out to Ditech via a email ( after being told to do so via phone representative ) request to remove my PMI on mortgage on XX/XX/XXXX and received no response at all from them, I even checked my junk box and nothing was there. My mortgage papers that I signed state an " Automatic Termination of PMI '' that states once my loan is below 78 % loan to value PMI will automatically terminate ( I have attached this document ). I reached out again today on XX/XX/XXXX to make this request via phone and was told initially to send the request that I already sent it too. I asked to speak with a supervisor and after being put on hold for about 30 minutes, I finally spoke to one. They told me that my loan to value must be under 70 % loan to value and that was their policy. After reading this document to the supervisor, I was told that " they don't have that document on file ''. She ( XXXX XXXX ) sent me a link to send her the form I have. I did so and just told me that I'll be hearing from them in 7-10 business days. Given their past history, I highly doubt that I will hear from them. I did mention to the supervisor and ask her why they weren't staying compliant to the homeowners protection act and she said nothing. From my understand this act requires mortgage companies to drop off PMI once loans are below 78 % LTV and the loan is current. I qualify for both of those items and don't understand why this is such a difficult task.
Inquiries are showing more than once on my credit. Some of which I do not recognized. XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX
A new collection was reported on my Experian account. We contacted the collection company and they do not have any knowledge of this collection and do not have any accounts in there systems. Experian keeps messing with my credit account and we do not know why this keeps happening.
I went to court to file for a deed in lieu of forclosure at the time of the closing a XXXX $ repay was due to be paid at the time of closing I was unable to close, and the issue was dismissed. Another closing was set and at that time NO REPAYMENT was part of the closing settlement. I had begun the repayment process and when I informed the DYKE-O`NEAL company of the mistake I requested a refund they promised to refund but they have yet to contact me.
Diversified Adjustment Service , Inc. is attempting to collect on a debt that I owe with XXXX XXXX. I mailed a letter directly to XXXX XXXX on XXXX/XXXX/2016 asking if I can settle the debt and have the trade line removed from my credit report. Diversified Adjustment Service, Inc mailed a letter asking for a 50 percent settlement. I want to know if I settle the debt could XXXX and the Collection Agency remove the trade line from my credit report.
XXXX XXXX handles Walmart credit cards, I have the card for 3 months and I pay on due date and each month they apply a late fee on the due date. I called in and was told it 's a pre cycle late fee, I asked but I was not late and I was told just in case payment does n't clear, so I asked " you assume that your customer is writing you a bad check? '' I was told the late fee falls off after 48 -72 hours,  I believe this if it is not should be illegal to charge a late fee prior to the payment being late. Last month I had to call back to get the fee removed it did not go away without another call which is very hard to get through to someone, the average person may actually be paying this late fee without even knowing it. This needs to be investigated.