WillisBack/dataset-financial-user-claim huggingface dataset:
Hunter Warfield has been notified approximately ( 5 ) times since XX/XX/XXXX that a debt that they are reporting against my name and social security number are fraudulent. I have had to dispute this with them now ( 5 ) times and have also completed a fraud affidavit that they sent me to complete, but they continue to reinsert the same fraudulent information into my credit report each year. Every time I resolve this matter with them and go through all of the steps to have this fraudulent account removed from my credit repot they continue to re-report and re-insert it into my credit files, and they know that they are doing this fraudulently, but they have no regard for the law. <P/>I never lived at the XXXX XXXX XXXX, and I never even stepped foot in the place and never submitted an application to that property, and this was opened as a result of identity theft. Not only have I been through this ( 5 ) times with Hunter Warfield and even submitted a police report they continue to try to blackmail me by reinserting this fraudulent account into my credit file hoping they can force me to pay it. <P/>This is a fraudulent account and is in no way associated with me, other than my stolen information was used to open the account. At this point I should be suing Hunter Warfield for defamation of character and exortion, but I have not as of yet. <P/>HUNTER WARFIELD, INC Agency Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Date Reported : XX/XX/XXXX Date Assigned : XX/XX/XXXX Creditor Classification : Rental/Leasing Original Creditor Name : XXXX XXXX XXXX Account Number : XXXX Account Owner : Individual Account. Original Amount Owned : {$1800.00} Date of 1 st Delinquency : XX/XX/XXXX Balance Date : XX/XX/XXXX Balance Owned : {$2200.00} Last Payment Date : N/A Status Date : XX/XX/XXXX Status : D - Unpaid Comments : Consumer disputes this account information
XXXX XXXX The following account above does not belong to me, and it stopping me from getting a job.
For four ( 4 ) years my family and I have been receiving harassing and threatening phone calls from a debt collector who has gone by the name of " XXXX ' or " Concord Resolutions ''. If we speak to them they refuse to give us info. on who they are, where they are, what number they are calling from, etc. ( they call from hidden numbers ) what the debt is, etc. All they will say is they are looking for my Sister, concerning a pay day loan debt. They threaten legal action against us if we do not cooperate, tell us a deputy is on his way to pick us up, etc. They are calling all of my immediate family and now are starting to call in laws! They have left messages to call # XXXX and speak to a XXXX XXXX but a woman has called also, refusing to identify herself. They call all day long on all of our numbers. And it 's not limited to the adults. They are calling the teenagers / children 's cell phone numbers as well. We have no idea how they are getting these phone numbers. Once you speak to them and start asking questions or advise them to stop they seem to " ramp '' up the harassment. Like it is a game to them.
My loan has been transferred intermittently and mostly during default. My loan was transferred from Countrywide to XXXX, to XXXX, to Bank of America, back to XXXX then back to Bank of America again. At one point I was not even sure who to make my payments to because the transferring of my loan was so casual and occurred often. To make matters worse, I was never even notified of the transfer of my loan until I recently did some research. I had my attorney find out that the loan is now with Bank of America because there was no information provided to me from Bank of America nor XXXX informing me of this information. I recently submitted an application for a modification, I have supplied all documentation requested of me and I am being told there is no guarantee of the trustee sale being postponed, 2 days before my sale date! I did not ask for my loan to be transferred and I have been put in this situation by the lender. There is no reason why Bank of America should not be able to postpone the sale and continue the review of my application as this is a form of dual tracking. Additionally, per HBOR laws, I was never assigned a specific point of contact, I was never reached out to and offered assistance.
XX/XX/XXXX ; XX/XX/XXXX & XX/XX/XXXX. 
I spoke with a representative from chase bank on XX/XX/XXXX she mentioned that my account may have been compromised and we changed my password and username on my account. 
I tried to use my account on XX/XX/XXXX and it was declined I called an tried to find out why and the representative could not verify me. Why the one on XX/XX/XXXX could I Dont know, I was transferred and they could not verify or help me ask for a supervisor and one was not available and they would have someone call no call. Tried to use my card again and same only this time they took my social security number atm debit card number and still transferred me and transferred me again to a number where no one was there. 
I have had this account for more than 10 years. I have several bills paid from this debit card which are being kicked back due to their incompetence. They have held my money all weekend without notice. They could have sent a new card or something so I could notify my creditors. 
They should be able to offer me a way to access my money. And they should have a way to verify me. How could they just take my card and now I have late payments..I can not use my debit card at all and there isnt a branch in XXXX, NC whic was explained. I have up coming payments..
Dovenmuhle Mortgage company provided Loss draft procedures for the disbursement of insurance funds due to hurricane losses. The procedures state that 90 % of the TLP will be disbursed to the individual within 5 business days of receipt of the requested documentation. I provided the documentation via USPS Priority mail ( signature required ), however, the company failed to co0mply with the 5 business day requirement and advised me that they had 5 business days to enter into the " Disbursement process '' within their company. I had contractors scheduled to begin work based on the information provided by the mortgage company, however, their failure to comply with their own procedures resulted in delays and penalties to me. 

Spoke with supervisor XXXX on the phone who offered no resolution.
I am with a loan servicer for over 4 years, and I trust and like them. They are now switching me over to XXXX which is a subpar loan servicing company. I belong to many credit forums where we share credit tip and discuss products and anything credit related. This company is known for mishandling student loans, and has a XXXX star rating with the XXXX and my current loan servicer VSAC has almost a XXXX star rating. I find this to be terrible for myself and my future. I am told I have no recourse in which student loan servicer I have which makes no sense to me. I do not want my loans to be serviced by XXXX. Is there anything I can do to prevent my loans from being transferred?
My husband received a call on his cell from a person named XXXX XXXX at this number. When my husband asked who he was, what the call was in reference to and how he get my husband 's cell, XXXX refused to give any info except he was having me served and after giving his phone number XXXX hung up. My husband then called the number back to give them my cell number and a female answered with threatening actions and curse words. I came in and my husband asked me to speak with the female who would not give her name, but proceeded to yell and scream at me that I owed a debt and the debt was being turned over to the IRS. After a minute or so I was finally able to get her to be quiet for a moment and asked what company she was calling from and for what creditor she was calling on behalf of. She rudely did not want to answer, she only wanted to threaten me that I was being served and the matter would be turned over to the IRS. I finally got her to say the original creditor was Chase Bank for a sum of over {$19000.00}. I do not have any accounts with Chase Bank and I informed her of such. She continued to yell and curse me out and by that time I simply told her to do what she needed to do and I unpolitely told her to XXXX and at that point she started cursing at me again and I hung up. It seems strange to me that this company would call my husband instead of me and be belligerent to both of us to such a high level.
Experian -report inaccurate information 1.

There a creditor XXXX XXXX XXXX that is reporting negatively on my credit report. Date open XX/XX/XXXX amt {$1000.00} and everytime I call the creditor they say they dont have this loan on file, and I get no place with them. I have sent to Experian my payment history when I attended University and it shows a XXXX due. But yet each time I ask them to delete this they send me a letter saying its been investigated and staying contact creditor. The creditor does not assist me and hang up on me. I have written letters to them and I Graduated. You are not able to walk at the commencement ceremony if you have a balance.

Experian is not helpful at all.

2.

Experian- report negatively XXXX XXXX Date open XX/XX/XXXX XXXX was purchased by another creditor, my account included which is currently reporting on the credit bureau in good standing. All that happened was my account number changed, but Experian is reporting XXXX, XXXX as closed.

This has been requested on several calls and letters to delete this off my file, that they are actually reporting the information twice. My account was never closed it was assigned a different account number and that one to is reporting on my credit profile.

The old owner 's of XXXX has been unreachable and the new ones ' are reporting accurately
l was able to address an issue on my credit recently. l began speaking with Accudata, we came to a agreement and an offer was made. XXXX XXXX an accounts representative at accudata informed me the original creditor was not really wanting to settle but she was speaking with them. l had been in contact with the original creditor for a copy of my file and knew this was not true, they had in fact informed me that the debt had been sold and they just verify information if needed. We continued to come to certain terms with accudata, The first offer expired but we continued to negotiate. l requested a settlement letter stating how it would appear on my credit. XXXX XXXX informed me they would not provide the letter l had requested they thought of it as blackmail ... but if we would agree to pricier terms they would indeed send me a letter stating the terms l had requested. We received the letter and paid the agreed amount. When Accudata reported to the credit bureaus they did not adhere to the agreed terms in the signed settlement letter and had no problems being fraudulent and untrue in the statement letter XXXX XXXX sent to us. They in fact stated the opposite. We had also proved we were not responsible for part of the debt. When l contacted XXXX XXXX she stated to me that she did not attach the comment to my credit and it was not her problem how they added or reported items. The credit bureaus are information gathering institutions and report what is reported to them, so XXXX XXXX you are indeed responsible to report true and accurate information and most definitely should not be fraudulent with signed statement letters claiming to settle, report ... .then do not adhere to the settlement agreement. Collection agencies should not be allowed to operate this way. When the are making a profit from buying a past debt and the original creditor is being paid, how would you even know or care if the facts were true ... your getting paid. l realize XXXX XXXX has a job to do, and deals with all types of individuals. Everyone is not the same. And to ruin an individuals credit for another 7 years, when they are trying to do the right thing just seems wrong. l hope this lnformation will help the public in dealing with Accudata. Thank you.
I had an account with XXXX XXXX for {$470.00}. It defaulted. It was sold to XXXX XXXX XXXX. Both are reported as separate or duplicate debts. Experian says they will not investigate it further ( Mail Dispute ). XXXX XXXX states they do not own the debt. I called to have one of them removed from my report and spoke to XXXX today at Experian. He states Experian has the right to double, triple or more report the same data as it also contains payment history and none of it will be removed. I enclosed the one for XXXX XXXX XXXX and another one exists if you need it that is separate for XXXX XXXX.
I pulled my credit report and noticed I had this account on my report stating i owed a debt for over {$10000.00}. I contacted XXXX to inquire about the debt and i was told the vehicle was purchased through a company called DRivetime in XX/XX/XXXX. I informed them I was XXXX at the time and did not purchase a vehicle and want the vehicle out of my name and removed from my report immediately. I submitted documenation of my XXXX as well and still as of XX/XX/XXXX nothing has been done or corrected. 
I asked them to send me a copy of my signature, social and drivers license to validate the debt according to FCRA Section 609 and they have not done so.
Account # XXXX - Posting Discrepancies - Ref ticket # XXXX XXXX 1. This case has been open with Specialized Loan Services LLC since XXXX/XXXX/XXXX to investigate {$540.00} posting discrepancy to Account # XXXX ( Ref ticket # XXXX ). 
2. I called in their customer service on XXXX XXXX, XXXX to get an update on the progress and I was told that there was n't any noted update on the account which indicated any progress made rather your representative even accused me of submitted bogus data and tasked me to submit bank statement to prove payments. 
3. I have this property under a sales agreement with a scheduled settlement on XXXX/XXXX/XXXX demanding expedited resolution to avoid an inflated payoff amount. 
4. I have compared my bank shown sent payments with your SLS account details and I believe I have found the problem ( shown in below tables ) which began with a {$540.00} UFU Unapplied funds unidentified payment of payment posting on XXXX/XXXX/XXXX. 
5. My account has been in awful shape since then and never recovered back. 
6. I want SLS to correct their posting problem ( s ). 
7. If their resolution is later then my sales settlement XXXX/XXXX/XXXX where I may pay inflated payoff amount I would like a refund check from SLS amounting my missed payment plus any penalties consequently occurred due the posting error.
I am submitting this complaint as I am a victim of Identity theft, I submitted the proper documentation and had the erroneous accounts removed. 2 months later one of the accounts reappears with no validation or justification.
The hospital says I owe them {$310.00} when I owe them nothing because it should have or has been covered by my medicaid insurance. This has been reported to them several times and is now on my credit report as a collection when it should n't be.
This company has plase a judgement on my name, under FDCPA they had to notify me of they intentions prior to summit lawsuit, that is a clear violation of the FDCPA. I have no knowledge of this debt. I'm requesting for a debt validation of this debt or delete the negative report off my credit and remove judgement from court.
All three credit bureaus are showing collection amounts for two hospital charges ( XXXX XXXX, XXXX, TN ) that occurred on XX/XX/XXXX and on XX/XX/XXXX while I was still in college at the XXXX XXXX XXXX. I only found out about these past due charges on XX/XX/XXXX, upon completion of my training in XXXX XXXX with XXXX XXXX and my return to XXXX area. 
These charges were in regards to a XXXX XXXX   visit. XXXX XXXX did not initially cover the charges of {$800.00} and {$880.00}. The bills were sent to a collection agency without my knowledge as the XXXX XXXX had sent the eobs to my old college address and they were not forwarded. I have discussed the charges with XXXX XXXX. Per XXXX XXXX, the charges were initially denied as being out of network. But upon their review, the charges should have been covered since it was an XXXX XXXX visit and they stated out of network does not apply in those situations. 

XXXX XXXX is in the process of re-billing the visits. They have indicated I should received the updated EOB within their next billing cycle and at that time this issue will be resolved. 
Meanwhile, both of these charges have XXXX my credit score without my knowledge I even had any charges not paid and certainly nothing sent to a collection agency. I have NEVER been late or simply not paid a debt. 
Can you somehow get the credit bureaus to indicate these unpaid charges are under review for accuracy until I get the situation rectified? 

Thank you, XXXX XXXX XXXX
To whom it may concern : I am disputing the following accounts as an affidavit, I have contacted the state attorneys office, The XXXX, filed a lawsuit against your company for falsely accusing me of owing your company, using my credit file without my consent which is violating my rights and several sections in The Fair Credit Act. 
XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX  XXXX XXXX Acct # xxxx I am in receipt of your companies letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records i am unable to find any documentations of any contractual relationship between name of company and myself which makes you a person in title to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of contract to substantiate your claim. Provide me with a certified copy of an original contract with my signature specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who doolie swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of contract will constitute your tactic agreement that you name of president and name of company are not entitled to force a claim against me. In the event you continue your collection without any proof of contract, i will file a complaint with The Attorney General and XXXX XXXX XXXX and File a police report against you for harassment and invasion of privacy. You have 30 days to provide strict proof of contract. In the event you can not provide strict proof of contract you must cease and dismissed any collection efforts and immediately remove any derogatory information reporting to the consumer reporting agency. If you transfer this account to an attorney without providing proof of contract, he will be immediately reported to the state bar association and professional liability found for code of ethics violations. 

Sincerely XXXX XXXX
I am in the process of consolidating my student loans as of XXXX 2016 with Navient. I get calls non-stop from Pioneer Credit Collections. They call my cell, my family, my job, my friends ... .they even called my ex-boyfriend 's house! When I spoke to a rep at my job, I advised her that I 'm currently working with Navient on consolidating my loans and I would like to wait to hear what they have to say first. The rep did n't like that answer and that 's when the harassing calls began. The school is XXXX University in XXXX, NC. The company is Pioneer Credit Recovery /phone # XXXX ( and they always provide a reference # for each account ).
Hello To Whom It May Concern, On XX/XX/2018, I was at the Chase ATM in XXXX, IL. I made a deposit of {$410.00} into the ATM as the deposit was processing a spinning circle appeared on the screen. I called the customer service representative to be advised of the next steps that needed to be taken. They ask me what was the last digits on the ATM card I replied to the representative and told them I don't know because the card was in the machine and I will need to remove the card. I remove the card the ATM rebooted and the funds did not appear in my account. I re-entered my card to check the balance and funds wasn't on there. The Representative then requested me to give the increments of the cash that was placed in the ATM 2- {$100.00}, 1- {$50.00}, 7- {$20.00}, 1- {$10.00}, and 10- {$1.00} bills. I asked if I needed to make a police report and they told me no. I went to the branch and also went back and forward with the claims department for 14 days to find out today on XX/XX/18 that I will need a police report to have them review the cameras at the ATM because of the system isn't showing any missing deposits and the claim was closed. I went to the police station to file a report the officer stated it's not a crime no need to file a report. I'm all out of answers and keep hitting dead ends. This is my last result hopefully this would make them look at the tape from the ATM. I filed a previous report here and seen that it had the wrong date. So this is my second complaint about the same issues that occurred on XX/XX/18 around XXXX.
I have an issue with  Wells Fargo Financial National  Bank,  XXXX . I live out in the country and sometimes have difficulty getting my mail. I went online and signed up to make my payment on line through  Wells Fargo. W hen you go to the make payment section it request your bank account and amount you would like to pay. I select the monthly amount I owe and send the payment. Today I received a paper statement and this time I opened it, ( I usually do n't because I make my payment online. ) The statement said I owed a {$37.00} late fee. I was charged a late fee because I was making my payment early ( in advance ). I did n't know that was not excepted by  Wells Fargo and have never heard of a late payment fee for an making an early payment. I contacted Wells Fargo  and spoke to  XXXX   ( e mployee #  XXXX   ).  She said that the fees could not be credited back to my account for making early payment and I was charge {$110.00} in  XXXX  and {$74.00} in  XXXX , #  XXXX  each time.  XXXX  said I should have read the fine print and  Wells Fargo w as not at fault and she could n't credit my account for the charges of ( Making an early payment ), I ask to speak with her supervisor and she said she was as high up as I could go and refused to provide me with a name or phone number of someone who could assist me with this problem. I ca n't believe in  XXXX  when most people are late or do n't even make payments at all,  Wells Fargo  was charging me {$37.00} a month for making my payment EARLY! I  Hope someone can assist me with this or please let other consumers that Wells Fargo is taking advantage of costumers that make early payments. This is another way Big Banks take advantage of costumers that go out of there way to make sure there payment is not late. Thank you ... confused and disappointed consumer that closed their Wells Fargo  account and will refuse to do business with them in the future.