WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX/XXXX/2015, Equifax, which merged my credit report with that of my sister unlike XXXX and XXXX, has sent me an email, indicating that the results of one of the disputes that I had started with them ( dispute confirmation # XXXX XXXX are now ready for me to view. Their so-called investigation results say that Equifax " verified '' that the items that belong to my sister, NOT me, belong to me, which is impossible! And I know, for a fact, my sister has NEVER used any of my information because the loans, installments, debts, credit cards, etc. that Equifax claims are mine do NOT show up on my XXXX and XXXX credit report as XXXX and XXXX show ONLY the loans, installments, debt, credit cards, etc. that belong to me. This is purely the fault of Equifax and their incompetent staff. They are the ones that started this mess yet they refuse to fix the very mess they created in spite of my wasting weeks trying to help them fix it.
I had a phone account with XXXX. As I was traveling abroad frequently I requested them to charge only to keep my number active. They did ask me to pay {$20.00} per month for one or two months and then refused to do any extension. so after two months they started to charge regular amount of $ 52.00+change, I then called them to disconnect my account and sent them my final payment of $ 52+change. They did not cancel my account and kept billing me for next two or thee months. When I called them why are they still sending me bills, when I had canceled this account. There reply was that they have no record of my calling them and still have to pay three months and late fees. I refused to pay as I was not responsible for their mistake. This is about four years back. I never received any letter from any credit company. Now they have put on my credit report thru some AFNI credit.This is more of a black mail as these companies can getaway because they are too big & nobody can fight with them.This so called debt is about four years old.
A collection agency called : Continental Credit Control XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX on behalf of a MEDICAL LAB has reported negative information without even informing about the debt amount {$79.00}, which in turn has effected my score about 80 points and effecting my MORTGAGE REFINANCING. So I approached this collection agency and even paid the DISUPTED Balance in order to get the score back but this collection agency is NOT responding to XXXX  enquiry sent to them, although I paid {$79.00} instead they are saying their process is they reply only once a month. Please take action against this COLLECTION AGENCY for harassing me and ask them to RESPOND to the XXXX Query.
I had a payday loan with CashNetUSA online about four years ago. I had to close my account due to other issues. I did contact CashNetUSA with my updated bank information but they never updated their system. I was sent to at least XXXX different collection agencies that threatened criminal action against me. This part ended about one year ago. 

Recently I received an e-mail from CashNetUSA stating I would be receiving a refund for XXXX. I received the check dated XXXX/XXXX/2016 for XXXX from Enova. When I deposited the check into my account it was returned for non sufficient funds and my bank charged me an additional XXXX dollars in fees. 

I live in Washington State. I have attempted to contact CashNetUSA through their website but it wo n't let me log in or update my password. I have attempted to call but the customer service rep I get has such a thick foreign accent that I can not understand him. 

I am not sure if I qualify for the legal action taken against Enova/CashNetUSA as I do live in Washington State and did so when the loan was taken. I am not a member of any branch of the military. I need to know why they would send me the refund check and then not have the funding in the account to cover the checks.
I have never done business with Monterey Collections. I do not have a signed contract with Monterey Collections. I am not liable for this debt from XXXX XXXX. On XX/XX/2018 I contacted Monterey Collections asking for a proper debt validation. I also contacted Monterey Collections on XX/XX/2018 asking for proper debt validation. Monterey Collections failed to complete this request with a proper debt validation. An alleged e-bill does not meet FRCA requirements for validation. Monterey Collections has had ample time to produce a proper debt validation. If Monterey Collections can not immediately produce a signed contract from me acknowledging that I have in fact done business with them and am liable for this debt, which is proper validation, then they must remove their erroneous trade from my credit report at once. Inserting erroneous information onto a credit report is a FRCA violation that is liable for payouts starting at {$1000.00} if pursued. Monterey Collections does not have permission to contact me by email, phone, or US mail. All communication is to be done through this CFPB portal.
This is an attempt to collect repeated overdraft charges made to my account by XXXX for an unauthorized charge. The account was charged four times at {$35.00} each time and the remaining money in the account was taken and the " balance due '' was {$110.00}. At the time, I asked the bank to reverse these charges. They refused and sent it to collections almost immediately.
I received a mail from Allied International Credit Corp ( US ) attempting to collect on a debt owed to XXXX. I do not have an account with XXXX or have not used XXXX in over 5 years. I have read online that this type of letter is an attempt at fraud and should be reported here.
I noticed an unauthorized hard inquiry conducted by the below agency : Institution Information : XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX I do not know who this agency is, nor did I authorize an credit inquiry.
There is a company by the name of LVNV FUNDING, that has stated they returned the debt back to the original owner of the alleged debt, however ; the information they are reporting to the credit agencies is reflecting different information. I have tried contacting them and have used a letter that is available via the CFPB website to contact a creditor and ask them to provide validate the alleged debt. Well, they have indicated to the CFPB that they are no longer seeking this debt, yet their actions are indicating other wise and are continuing to damage my credit.
purchased a XXXX XXXX in XXXX from XXXX paid off in XXXX received ttitles in XXXX traded it in XXXX to XXXX XXXX XXXX texas XXXX, they reported was reported on my credit XXXX/XXXX/XXXX {$1000.00} why would I have the titles if I had a balance, I do not owe anything, please remove off of my credit report
Cbna/sears Hard Inquiry from XXXX XXXX, 2016 XXXX, OH XXXX ( XXXX ) XXXX Info from XXXX & XXXX  via XXXX XXXX XXXX XXXX website. 

This hard inquiry was not authorized by me as I have never applied for any type of credit from sears.
A financial interview was completed with Wells Fargo on XXXX XXXX, XXXX with their " re-entry team '' to open the loss mitigation review. They stated that they needed a hardship letter, 30 days of paystubs, the XXXX XXXX, a homeowners assistance form, a XXXX, and a completed ( 30 minute ) verbal financial interview. All these documents and interview were completed and faxed to the lender on XXXX XXXX, XXXX. On XXXX XXXX, XXXX a call to the lender was placed and they advised that they needed to verbally know the start date of employment for XXXX and needed written clarification on some of the deductions on the paystubs. It was also advised that XXXX XXXX, the wife who is not on the loan, is not a contributor. The written letter of explanation on the paystubs was sent to the lender same day. Then another call was placed on XXXX XXXX, XXXX where they came up with a whole new list of documents needed including asking for paystubs from " any income on the tax returns. '' XXXX XXXX XXXX and XXXX XXXX XXXX filed their taxes together, but she is not on the loan nor is she a contributor to the loan and this was already explained to them. Therefore they can not continue to ask for this income. They are requesting additional information every XXXX days and not putting one list in writing. They also asked for the Home Owners Financial statement to be notarized, which is not a requirement. They are purposely dragging out the review and not putting complete requests in writing to make the review impossible to complete!
Please consider this my formal complaint against Sears/CBNA who has repeatedly ignored my dispute letters requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, on a derogatory account which is appearing on my consumer credit reports.

I have sent certified/return receipt dispute letters ( please see attached letters ) to XXXX XXXX XXXX requesting validation of the debt bearing my signature. These dispute letters were received by them on XX/XX/2018 and XX/XX/XXXX ( please see attached signatures ) The 1st letter went unanswered. The 2nd letter was them requesting the acct #, a copy of my credit report, & a letter of explanation. Clearly a stall tactic as I was very clear on what I was requesting from them.

Additionally, I noticed Sears/CBNA did not furnish the credit bureaus with the required disclosure of my dispute violating the FCRA Section 623 ( a ) ( 3 ) and/or the FDCPA Section 807 ( 8 ) by not placing the disclosure within the 30-day period ( please see attached credit reports ). I sent another certified/return receipt letter stating this and demanding they delete the derogatory report due to breaking these laws. They signed for this one on XX/XX/2018. They sent exactly the same response as described above. They have not deleted the account or marked it disputed.
This debt was sold to a debt buyer, however ; the original creditor continues to report and attempt to collect on it resulting in duplicate entries on my credit report for the same account. Since the debt was sold to a third party collection agency, the original creditor does not have a right to engage in debt collection efforts.This is my final attempt to resolve this issue outside of litigation. IF you fail to remove this item from my report within 14 days I will pursue a civil suit for your debt collection violations. Please see attached claim that will be filed on  XXXX / XXXX /2017   with the  XXXX   County Courthouse.
TransUnion, XXXX, and XXXX are reporting a judgement on my credit reports from the XXXX district court. This judgement is inaccurate and should be deleted from my credit reports. Please site me the law that requires credit reporting agencies to add this to my report. I did not request to have it added nor did the bank. There is no legitimate reason for this judgement to appear on my credit reports. I feel like I 'm being treated unfairly and abused by these credit agencies because they are severely damaging my chances of finding employment. I have been denied credit, bank accounts, housing, and employment because of this superfluous account on my credit reports
I paid my loan off as agreed with GreenTree Servicing now Ditech Financial 's attorneys. The certified check was cashed on XXXX XXXX, 2016 and I have not received a release of loan and lien on property despite repeated requests. 

*Please note that GreenTree bought my loan and then began trying to collect on an amount larger than the loan purchased. GreenTree harassed me at my office and was the cause that I was laid off after GreenTree harassing the Vice President where I worked. Even though I mailed my check each and every month GreenTree assessed my account for GreenTree home insurance ( even though I provided proof to GreenTree that my personally paid insurance with GreenTree as a lienhold was in force ), assed penalties, assessed interest on penalties, and other " corporate fees '' not allowed by my original loan. Greentree spent two years trying to foreclose on my home, even though I had never missed a payment ( GreenTree had an account where the payments were held, but not applied to my loan ). GreenTree was trying to foreclose on a home improvement loan of $ XXXX for a house valued at $ XXXX. 

DiTech 's contact information Ditech Financial LLC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX DiTech 's Attorneys XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
I purchased a Reloadit pack to load money onto my XXXX card. Their website said they supported XXXX. Tried to perform the load and got a message saying that my card had to be verified. Waited a couple of hours and the verification had n't yet occurred. Called customer service and was told that it would take 4 hours. This should have been mentioned on their website. 

Tried to perform the load the next day. Still did n't work. Found out through calling customer service that they only support certain XXXX cards. Again this was not mentioned on their website. I asked how can I get my money back and was told to purchase a PayPower card. I searched for locations to purchase the PayPower card and none of the listed locations sell it. I asked customer service about a refund. They told me it would take 30 days to receive it. Nothing they 've promoted has panned out so I have no reason to believe that I will receive my refund in 30 days.
I entered in to a contract with XXXX in 2012 for a home security system. The contract stated that if I moved to a new location where an XXXX system could not be installed, the contract would be void and no funds owed. I moved to an apartment complex that did not allow XXXX systems. I notified XXXX, repeatedly, but they continued ( and continue ) to attempt to collect the debt - in spite of the fact that their representatives have assured me no funds are due.
Starting XXXX of XXXX, I decided to not use my XXXX Credit Card and start making payments in order to reduce my balance on my XXXX card. At the time that I started paying payments I decided to pay some amount over the minimum requirement. The amount of monthly payments I made was {$200.00} ( approximately {$45.00} over minimum amount at the time ) on the due date. Every time the payment is due and when XXXX received my payment they sent emails reminding the due date and then confirming receipt of my payments, in which, they never mentioned that my auto pay has fallen under minimum payment required or any mention of late payments due to such change in my account. Since the payments were done automatically from my checking account, I thought I am on track to reduce my balance on my card. My payments were due on the XXXX of each month. Apparently, because of XXXX of XXXX holidays in XXXX,  XXXX had received my payment on the XXXX of the month and that triggered the increase in my payments without any notice from XXXX XXXX. They just accumulated the interest and late charges each and every month and charged me late payment fees and about XXXX % of interest on the total balance on my card. I did n't receive a courtesy call or a notification that my payments have fallen under minimum payment and charges are being accumulated in my account without any additional purchases and/or charges from my part. I have not used their card from early XXXX till today. I had to payoff some of my credit cards in order to qualify for a new home loan and that 's when I found out about the charges being accumulated in my account without any notice or courtesy calls. I followed up with the XXXX XXXX and after talking to the managers and representatives and explaining that if the payment is late for one week, I would receive numerous phone calls reminding me of such, however, there was no warning letters, emails or phone calls to remind me of such discrepancy. After following up with the XXXX cards and making many phone calls I could not resolve the issue with them. XXXX finally concluded that the charges are valid and they will not issue any credit toward late charges and/or interest charged on such late charges. In my opinion, these are fraudulent charges with no merit. A credit card with no activities for almost a year and a half should NOT have a higher balance than when I started making $ XXXX monthly payments. They only act to their own benefit without any consideration or regards for their card holders.
Throughout the couple of years that I have been paying back my student loans with my servicer, Navient, I have witnessed them consistently trying to mislead and deter consumers from making principal payments. There is an obvious effort to thwart early student loan paydowns by making it increasingly difficult and confusing to make principal payments. Initially when I started making payments to Navient, there was an option to apply additional funds to principal or to pay ahead. Then the wording changed so that " principal '' was no longer included, but instead you were given the option to " a ) apply excess funds towards you next payment ( s ) due ( helping to reduce the total cost over the life of your loan ) or b ) be billed for your full monthly payment. You will be required to make a full monthly payment with your next billing statement. '' I found this extremely confusing as to how my payment would be applied since principal and interest were not referenced at all. This is also misleading since option " a '' mentions that it will reduce the overall cost over the life of my loan. Whereas option " b '' ( the principal option ) does not say that it will reduce the total cost over the life of my loan. Then in the last month I am no longer given the option when paying my bill online to apply the excess to principal. I had to search in the Help Center of Navient 's website to discover that any excess funds that I pay will automatically advance my payment due date by the number of full payments that are covered by the extra funds. The only exception is if I am paying more than twice my monthly payment, then I can choose to be billed for my full monthly payment ( aka make a principal payment ). I also discovered in the help section, that the only way that I can make a principal payment that is less than twice my monthly bill, is if I mail in a check with a separate piece of paper detailing my instructions for how I want my payment applied. This feels like a concerted effort to confuse and discourage borrowers from paying loans off early, and to collect as much interest possible by drawing out the life of borrowers loans. I work in a loan department with a large bank, and even I find the information that navient provides about applying payments extremely confusing and misleading.
On XX/XX/2018, I made an online payment by error to a paid off loan with Dovenmuehle Mortgage that services XXXX XXXX XXXX   XXXX. This payment was supposed to go to XXXX who also services my current mortgage with XXXX XXXX XXXX  XXXX. I contacted Dovenmuehle on XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/XXXX, XX/XX/2018 XX/XX/2018, and up until today 's current date to recover my funds and they keep stating with no supporting evidence that they forwarded my payment to XXXX. XXXX can not locate the payment. The payment amount was {$2300.00}. I am currently suffering from financial hardship due to a XXXX and this missing payment is not only causing my family emotional distress but also contributing to pushing me into foreclosure due to missed payments. 

Please help. The following companies are parties to my complaint. 

XXXX XXXX ( originating bank in which my payment came from ) Dovenmuehle Mortgage ( previous loan servicer that received my  payment in error ) XXXX ( current mortgage company )
I have been paying on my student loans for over 17 years now and there are several discrepancies I have tried to resolve with the loan company, but with no resolution. 

To begin with, the loan was originated in XX/XX/XXXX, with original terms of 240 months repayment ( I wanted 180 months as indicated by my initials on the consolidation note ). At the bottom of the note, the loan official signing the document wrote in terms of 360 months when it is clear the original terms were less than this. The loan balance at the time of the note was {$81000.00} In my last communication with Navient, who now services the loan ( XXXX XXXX was the servicing company prior ), they provided a statement again showing the 360 month term ( which I DID NOT agree to ), saying I have paid 141 months of the note at {$750.00} and 219 months remain. They then go on to say that I have used 43 months of deferment/forebearance during this time WHICH IS SIMPLY NOT TRUE. I have used the forbearance option for a month or two hear and there, but absolutely have not deferred the loan for any substantial length of time since I have begun repaying the loan. I have also been repaying the loan with extra money each month for quite some time now totaling {$800.00} a month. Navient also stated that the loan would be paid off in XX/XX/XXXX. Now they have added 4 years on to a note of 360 months that I still did not agree to and is in direct conflict with what is written on the consolidation agreement. 

Over the years I have had these student loans, the servicing company has changed a few times, thus making it difficult to trace payment histories back to the very beginning of the loan. XXXX was the first servicing company followed by XXXX XXXX and now Navient. I have printed copies of much of the payment history and a personal ledger that I have kept since XX/XX/XXXX, showing payment histories and discrepancies between what I have paid and what they are saying I have paid. 

In addition to these issues, there is major concern for the balance of the loan as of today as compared to when it first began in XX/XX/XXXX. As of the day of this letter being written, the loan balance is {$80000.00}. This is {$1700.00} less than the original balance of the loan at the time of consolidation. Where has my money been going for the past 17 years, especially considering I have paid extra for quite some time? I have loan amortization programs available to me showing the balance should be SIGNIFICANTLY LESS than the amount they are showing, if not paid in full by this time, considering the extra funds I have paid each month and the incorrect terms of the original note. There are also two disbursements on the account history provided by Navient in XX/XX/XXXX and XX/XX/XXXX of {$4700.00} and {$3000.00}, respectively. I finished XXXX school in XX/XX/XXXX, so why would there be any additional disbursements? 

As you can see, there are NUMEROUS discrepancies in the manner with which these loans have been " serviced '' over the years. I ask for your help in getting these issues resolved as quickly as possible and an explanation provided as to where my money has been used other than paying down my loan.
Barclay Bank of Delaware opened a fraudulent account in my name when someone applied for a credit card in my name using my information that was stolen when I was the victim of identity theft. I have notified Barclay that this was a fraudulent account and I provided them my police report where I reported the identity theft to the police, my identity theft affidavit, and other identifying information and I let them know this account was fraud. Barclay has refused to remove this fraudulent account from my name and social security number even though I complied with the FCRA and made them aware that it was fraud and provided the proper documentation. XXXX had deleted this fraudulent account from my credit report several years ago, but Barclay 's has asked XXXX to reinsert the fraudulent accounts Barclay 's is violating the law by continuing to report this fraudulent information against my name and social security number
Threatened to serve papers at my residence or at work. They would not answer any of my questions that I asked. Name of company was Alternitive Dispute resolutions XXXX Texas phone number XXXX XXXX XXXX. I had never heard of the payday loan company and after contacting a lawyer he informed me it is a scam and I needed to report them to you.