WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX, after a car accident, I paid a portion, insurance paid a portion for car repair and rental of car. In XX/XX/XXXX Regions Bank began issuing a bill for the car rental. I have paid some on this bill, even though I do not believe I own this bill. The bank has been billing for this, since XX/XX/XXXX. The amount now due in XX/XX/XXXX is {$910.00}. I talked to the local bank branch, they could not resolve this issue. I sent a letter to the Regions Home Office in XXXX or XX/XX/XXXX. I did not receive any reply from Regions Bank.
Monarch Recovery Management leaves robo calls every day on land line regarding a debt that is not mine. I do not recognize any debt. They do not communicate in writing. They harass me every day.
This unknown caller calls several times a day, and harasses me on the phone, and ask very personal questions. I need these calls to stop. The company is XXXX XXXX XXXX account # XXXX for a credit card for Walmart. There contact phone # is XXXX.
Please See Attachments Based on my experience, I am requesting that an investigation reveals the routine, daily practices of Performance Mortgage ( Corporate NMLS # XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX. I'm confident that the ratio between " non -white '' loan applications and " non-white '' loan approvals are very low. In contrast, I'm sure that the ratio between " white '' loan applications and " white '' loan approvals are very high. If this is true, then what happened to me makes sense. I'm hoping to uncover a routine practice within this firm that discourages, or overburdens " non-white '' applicants until they give up from exhaustion, or take their business elsewhere. 

Hopefully you agree that the mortgage loan officer has the power to share or withhold pertinent information that could make or break a deal. Communication documented in the 10 digital XXXX threads prove, that the mortgage officer was the only reason that a lender did not approve me for a loan. Note : Performance Mortgage and I, have access to the digital e-mail threads. Please provide an e-mail address so I can forward this information to the CFPB employee that will be handling this case. 

Thank You XXXX XXXX XXXX XXXX
Falsely claimed to have spoken with me on the phone about a debt. I have never had any communication at all with the company.
Over 30 days ago, I requested that Equifax investigate XXXX inaccuracies on my credit report. That request was sent on XXXX XXXX, and I am attaching a copy of the letter. To date, they have yet to respond to me.
Equifax is reporting one account twice and not paid this just happen XX/XX/XXXX after disputing the account. I called Equifax to discuss this matter but no one could help me. XXXX XXXX XXXX XXXX is being reported 2 times and the account is paid with only one account. I did not have two accounts with XXXX XXXX XXXX XXXX under that account number. 

XXXX XXXX XXXX XXXX ( both accounts ) Account number XXXX ( both account ) Amount :  XXXX ( both accounts ) but now 2 different opening dates with is not true. 
XX/XX/XXXX date open is correct for this account XXXX XX/XX/XXXX is wrong I opened account XXXX because I moved on this date This information is incorrect and the duplicate accounts is just wrong and this was done to hurt my credit.
The company called me several times they first off want you to just verify your address do n't tell you who they are which is a little scary secondly after finding out who they where collecting for and finding out I settled that debt with another collector on XXXX XXXX paying the settlement agreement amount of XXXX an finding out that they had all of this clearly documented in there system from the previous collector an that they still would n't stop contacting an Harrassing me with phone calls and now receiving mail I contacted XXXX which was company they were collecting for an they Said sold them the account and I was told that they did not resell them the account that they should close out the account if they have documention from the previous collector that I paid so I called back I spoke to a XXXX whom spoke over me whom advised I need to send in bank statement to show I paid which I 'm not comfortable doing as they have all of the information I paid an with fraud going around I do n't want my bank info being sent. The debt is off my credit report because I paid the settled agreed amount I just want the phone calls and letters from this company to stop they should n't have my information.
This is an error it does not belong to me : XXXX XXXX Opened XX/XX/2017 ( 4 mos )
I obtained a copies of my credit report from the 2 of the major XXXXredit Reporting Agencies XXXX Experian and XXXX XXXX XXXX. There were XXXX XXXX XXXX XXXX Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. Per the attached, the Bankruptcy Courts emphatically states that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. In this case, they claim to have validated this information through XXXX XXXX. However, per the XXXX attachment, I have a security freeze on my XXXX XXXX account which makes it impossible to validate that this information is correct. I have asked XXXX XXXX to remove this derogatory information from my credit file, yet they have refused. Considering the information indicates a Fair Credit Reporting Act violation, I need all XXXX information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.
Bank of America closed a checking account that I had owned and reported the account closure to XXXX as potential fraud. There was no fraud that occurred on the account and Bank of America refuses to remove the incorrect information from my XXXX record. I have contacted Bank of America and XXXX numerous times about this issue and have been repeatedly told that the information is accurate. The information is not accurate-I believe that Bank of America is just not investigating. As a result of this, I cannnot open a bank account.
I originally had a CareCredit Acct opened for {$4000.00} which I had been making monthly payments too-never not paid. This past summer I got a phone call/letter in the mail saying that I was being kicked off of CareCredit and into an Attorneys hands. I was NEVER notified or warned as to why. I have been making payments everymonth ON TIME ever since and have tried to dispute all of this because it has affected my credit score significantly. I have recently tried to dispute this with the company and I have noticed that my credit score has gone down AGAIN and keeps going down. They're saying because my account is in charge-off which I never agreed for it to be because I was never even aware of what was happening. Im trying to FIX the problem and make my pants even earlier and on time and Im still noticing my credit score is decreasing!! This is not right. I have XXXX left and I am being told that my credit score will keep decreasing if that payment is not paid in full right away?! This is not right! I am a person that pays everything on time and checks to make sure everything is correct always because I care about my credit and score and this is very frustrating!!
Gatestone has been calling me repeatedly starting on XX/XX/2018. They were calling 2 to 4 times a day from different numbers. They were also calling my XXXX year old daughters phone. I called them to find out what it was about, was told it was an XXXX XXXX XXXX bill. I asked them to send me a paperbill, they said they had although I have not seen anything from this company. They refused to send me a paper bill and informed me if I hadn't received their letter it was my problem.
I have attempted multiple times to get an invalid collection removed from   XXXX   and Transunion (   XXXX   conducted their investigation properly and it was removed ). I have also filed complaints on the biller directly. The collection is from  XXXX   XXXX . This company has not been compliant with properly handling the billing dispute. I have filed several complaints, and they refuse to do the right thing. So I disputed the matter directly with the credit bureaus.      XXXX  is attempting to collect a debt for a service that was improperly billed (  XXXX  bills total ). The bill was supposed to also go to my secondary insurance, however, it only went to my primary. I notified the original creditor about the error last  XXXX , instead of them billing both insurances, it was sent to collections ... Transunion removed  XXXX  of the bills, but not the other. Both bills should be removed.   XXXX   has not removed them at all, and keep stating they are valid- which they are not.
We are trying to complete a short sale with XXXX XXXX thru their sevicer Nation Star mortgage. They ordered a brokers price opinion and charged that fee against the mortgage payoff as a fee. When we asked to see a copy of the BPO that the homeowner paid for, they told us that they do not share that info with the homeowners. We have requested a copy 3 times from XXXX XXXX and one time thru Nation Star Mortgage and were told no each time. We would like a copy of this BPO report in order to properly dispute the value that was given by XXXX XXXX valuation dept. Can you please help us get what the home owner has a right to see since she was charged for it.
I sent a letter to XXXX XXXX to remove the hard inquiry listed on my credit report. The letter stated I should be compensated for the hard inquiry because they where not able to verify it was me. I called the call center and spoke with a gentleman. He STATED THAT there where several people in their system listed in my name. I asked that they should remove my name and the hard inquiry. He transferred me to the fraud department who stated they would investigate. I keep getting calls from XXXX XXXX. They are asking me to call them from my XXXX cellphone that I do not have. Will someone please assist me with this because I have already requested that they remove the hard inquiry if someone took out a cellphone and has service than XXXX XXXX should call the police department and threaten to deport them to wakanda and not me. I should not be XXXX to XXXX because someone has a cellphone with my social and my name. Please Assist Me. Does XXXX XXXX not screen any incoming phone calls or do they just allow anyone to verbally register a phone is someone elses name. This is a white collar crime. This is identity theft. Please allow me to review all records XXXX XXXX has in my name. I have never requested service with XXXX XXXX. Not know or ever in the past or present or in the future because of this crime.
Back in XX/XX/XXXX, I made a complaint with the BBB regarding the company XXXX XXXX XXXX XXXX that recently took over the billing for XXXX XXXX back in XX/XX/2017. The account is in my husband 's name, which the account is an XXXX account since he is in the military and the payment amount changed to {$48.00}. For whatever reason, XXXX can't seem to get it correct. They call our home, literally starting at XXXX to XXXX, over XXXX 's a day. Once I speak with them, which they are allowed to discuss the account with me, they state the account is {$740.00} past due. We have been going back and forth with this company not being able to get this account correct since they took over the billing in XX/XX/XXXX. Here we are 4 months later, with my husband 's credit taking a hard hit because XXXX can not get their billing together. I am tired of them calling my home everyday all day with the wrong information. Even if we paid the correct amount that is due, with their system not corrected it will still show the account past due. We need this fixed and calls STOPPED! The apologies are starting to wear thin.
I originally had my student loans with XXXX XXXX which now Navient. I have a debt amount of {$11000.00} approx. in student loans. I am currently unemployed due to any injury to my back while working and have been out of work since XX/XX/XXXX. On numerous occasions I requested some kind of help from Navient before and after my injury due to financial circumstances, such as losing my home, losing my cars, taking a $ XXXX/hr pay cut at a new job. All the while the only thing Navient could offer me was forbearance for no more than a few months or a year. I have tried to send what I can to them, at times only {$20.00} because we are currently living on one income and still have children to feed and clothes. I do not receive any income for anything. Navient never once offered me any other type of repayment plan for my loans such as the Income Driven Repayment Plan, The Go As You Earn Plan, etc. Only offering forbearance plans. They are relentless in sending threatening letters in the mail about what will happen if you do n't pay your loan, etc. This has been going on for approximately 5 years. I recently have discovered that there is help no thanks to Navient from a XXXX XXXX and have consolidated my loans and now have been placed on the IDR plan. Nothing Navient EVER offered to me until just recently, XX/XX/XXXX, in another threatening letter stating that they would be forced to start accessing an interest rate of 24.34 %. I have asked them numerous times to not call me over the phone that I would do everything over email or mail. They did on numerous occasions after my requests call me and again harass me over the phone. They have also sent me letters under different company names such as XXXX XXXX XXXX, XXXX XXXX  ( This is the latest ), and Navient Solutions. This company has NEVER been cooperative or even tried to help me in any way, either lowering my payments, offering any other options, NOTHING! It is unfair how they have treated so many people in my same situation and it needs to stop! I will never have them as a loan service again EVER.I also have been made aware by many other students and friends of lawsuits against Navient that have recently come about for the same things they have done me.
I had cable service from XXXX XXXX that was contracted through XXXX XXXX. All billing for my cable service was received from XXXX. I never had an account directly with XXXX XXXX. Upon the end of service, I received a bill from XXXX that reads FINAL BILL more than a year ago. The FINAL BILL showed that I overpaid the account by more than {$50.00}. However, XXXX XXXX created an account after service ended and continues to send me fraudulent bills via collection agencies attempting to collect at first {$230.00}, then {$140.00}, and recently {$98.00}. On XX/XX/XXXX, I contacted XXXX via certified letter to dispute the debt, provided a copy of FINAL BILL proving balance was not owed. This collection company stopped contacting me after the letter was sent. Then I received collection attempts from XXXX XXXX XXXX in XX/XX/XXXX and XX/XX/XXXX. Again, I sent a certified letter to dispute the debt, provided a copy of the FINAL BILL providing the balance was not owed. This collection company also stopped contacting. 
However, on XX/XX/XXXX, another collection company called Allied Interstate has sent me a letter attempting to collect the debt. Will all collection companies across the USA attempt to collect an alleged debt on a fraudulent account for the rest of my life? Will I be required to send certified letters every 6 months when XXXX XXXX sells the fake account to another collection agency until the statute of limitations passes ( another 5.5 years from now )?
XX/XX/XXXX I received an e-mail from XXXX XXXX that included my statement from last XX/XX/2017 because XXXX XXXX admitted to making mistakes on handling my loans so they were reversing the negative reporting they made to the credit bureaus last year. Two different XXXX reps verified that they would begin handling my student loans again which were in the process of being removed from ever defaulting or being late/delinquent in the first place. They said the process takes 7-10 business days at which time I will be able to login on to my old XXXX  XXXX account online and make online payments etc. I explained I wanted to just pay the balance and the girl I spoke with said as soon the negative reporting gets reversed I will be able to go online and pay. I said thats great and was so glad XXXX finally realized its morally/ethically wrong to report student loans as negative/late/delinquent etc to the bureaus if the student is unaware theyre not receiving bills XXXX was supposedly sending in the mail. 

Ten days past so I called XXXX to follow up and a Supervisor who was extremely rude and belligerent handled my call raising her voice telling me not paying my loans is the reason my credit got bad. Can employees behave this way when we call with questions? She didnt give me explain my situation and when I explained two different reps verified two different times I called in that the negative reporting XXXX made on my student loans was being reversed she told me that they were not supposed to do that, they had no business doing that. I wanted to ask her what was so wrong that was making her so angry and rude towards me but this supervisor kept cutting me off. Now I am super confused as to what happened etc. Its so stressful and unsettling to know that XXXX XXXX will handle your loans however they feel depending on their emotional state? This supervisor told me its their word against ours/the students/families/consumers and apparently the consequences of how they handle accounts and treat people is irrelevant.
I have always paid my XXXX Citibank card in full. A Citibank representative told me that if I dont pay in full, that I would only be charged interest on the remaining monthly balance for the number of days left in the month. My due date is the XX/XX/XXXX. On the XX/XX/XXXX, I paid the remaining {$100.00} on my 2000+ monthly balance. Citibank charged me interest on the full balance. They reversed it after I called, but said that I will be charged interest on {$4500.00} for the month of May EVEN IF I pay the balance in full by the XX/XX/XXXX because I have to pay in full for two months in order to not be charge interest. So, because of a mere {$100.00} left on my XX/XX/XXXX bill, they want to charge me interest on 2000+ for one month and +4500 for the next month. This is excessive and o my Benefits Citibank. Moreover, my billing cycle doesnt end until the XX/XX/XXXX.
Auto loan was paid off by insurance company for a total loss (   XXXX    ) with a posted date of  XXXX  XXXX /17. Gap insurance covered remainder of loan (   XXXX   ) with a posted date of  XXXX / XXXX /17. A payment was made during insurance settlement on  XXXX / XXXX /17 of   XXXX   resulting in a loan overpayment of that amount. Statements show a reverse payment was issued on  XXXX / XXXX /17. Spoke to lender and was informed a " explanation of payment '' form from GAP carrier was needed. Form was email on  XXXX / XXXX /17 to myself and lender to email address that was furnished to me. Funds from reverse payment have not been issued after several attempts to obtain explanation.
Ocwen Loan Servicing, its crooked lawyer XXXX XXXX intentionally failed to respond to my request for loss mitigation options to avoid fraudulent trustee sale. XXXX XXXX assisted troubled Ocwen with financial white collar crimes so that troubled pretender lender loan servicer could embezzle my property temporarily increasing its revenue. Since XXXX XXXX avoided my request for loss mitigation options and assisted troubled fraudulent Ocwen with white collar financial crimes slandering my title all over again recording another fraudulent notice of trustee sale I am left with no choice other then to litigate my matter in chapter XXXX.
In XX/XX/XXXX I was applying for a loan this company said it would call to verify info.. i never talked to anyone I have a screenshot from there web page that says no money will be deposited till they talk to me.. I also needed to edit my weekly pay and it would n't allow me it kept going back to XXXX weekly .. who needs a loan with that kind of money.. I 'm a XXXX and my pay is around XXXX-XXXX weekly and my payments are XXXX a week it can not afforded these payments .. this company is located in Montana
From  XXXX  until  XXXX , I was advised by   XXXX   XXXX   that if I was struggling to make py monthly payment, the only option available to me was a deferment. I had even questioned numerous times about making smaller payments and was told that the company can not do that and that it would be pointless to make them on my own because it could cause issues with the deferments. In early  XXXX , i was advised I could no longer defer and had to make full payments. I was unable too. In  XXXX  of  XXXX    XXXX   XXXX   advised me that my loan was going to default and be sent to collections. After speaking with numerous people one representative send me a financial affidavit to send back requesting assistance. I sent in that package a total of three times over two months. Every time I called to verify receipt, I would either be on hold for extended times or transferred to the same person who called himself  XXXX , who would advise me that it was never received. In  XXXX  of  XXXX ,  XXXX  told me again my information was never received and that my loan was officially in default and there was nothing that could be done. A total of {$27000.00} was charged off. I immediately called the collection agency who was handling the loan and made a payment arrangement to bring the loan out of default. They also advised me of the income based repayment program that was available for me to apply. While the loan was in default, a collections charge of {$8400.00} was added to my loan.
My bi weekly direct deposit is not available and has been verified as sent and amex reviews to answer their phone. Also, first day of work as a single parent and left me stranded because i couldn't access MY money for fuel!
I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, Experian, XXXX and XXXX with no successful resolution. XXXX, Experian and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX and XX/XX/XXXX.
GREENTREE SERVICING CONTINUES TO CALL REGARDING A PAYMENT THAT WAS MAILED XXXX WEEKS AGO. THEY ARE BEING RUDE AND THREATENING. I HAVE ADVISED OF CHECK NUMBER AND AMOUNT PAID. THEY CALL BACK XXXX MIN LATER AGAIN. MY LOAN IS CURRENT, NOT IN DEFAULT! I ADVISED TO STOP CALLING AND TO CONTACT ME IN WRITING, THEY CONTINUE TO CALL.
Portfolio Recovery Associates sued us for a debt they had purchased from XXXX XXXX and was written off by the bank. We did not dispute that we owed money, but the amount was in question. We finally reached a settlement at a mutually agreed upon figure and paid the debt in full. PRA subsequently sent us a XXXX form claiming that we had tax liability of nearly {$27000.00} in written-off ( or forgiven ) debt. It is illegal for PRA to claim a write-off for an account for which the original creditor has already taken a write-off for, especially since they are a third party who never laid out any funds and the amount in question was already written-off by the original creditor. This is double-dipping to the IRS, which is tantamount to tax fraud.
I was misled when I acquired the loan to help pay for my education. The interest rate was suppose to a constant rate however it has fluctuated over the years. A then XXXX loan ended up being over XXXX due to interest rates and forbearance. No options were given to pay at a lower rate. Instead they have given me higher monthly payments that I can not afford. The reporting of this loan is hindering me from purchasing a home. It has now been sold to another company that I am now making payment to.