WillisBack/dataset-financial-user-claim huggingface dataset:
I had a XXXX XXXX account that was paid through AUTO PAY DEBIT each month, and when I switched to another company, I personally returned all the equipment to the office, had a XXXX balance at that time. Then several years later they ERRONEOUSLY employed a Collection Agency,  XXXX XXXX/XXXX, XXXX. to say I owed a debt. Last year they put this false information in my XXXX Credit Bureau. I disputed the charge, XXXX investigated, the company never was able to document I owed anything, complied and they REMOVED IT FROM MY CREDIT REPORT. Now, today, again, they submitted the same phony charge to my XXXX Credit Report, which brought down my score 24 points when I have excellent credit. So, again, I filed a dispute, but I also felt compelled after months of dealing with this scam agency on the XXXX  report, now again with XXXX, it required to file this complaint, with the hope that these unscrupulous scam collection agencies are fined or curtailed from arbitrarily submitting false information to credit reports ; especially multiple or recurring times after being commanded to remove it previously.
TRANSUNION continues to report a collection account on my report despite of me disputing it for the third time now. The collection account has many inaccurate information thats being reported. I also requested method of verification and got no respond. Collection agency reported account account without contacting me and said it can not be disputed. Collection agency also re-aging this account
Several attempts made with various forms of correspondence including notarized affidavits, police reports, and letters have been sent through certified mail and faxed to Transunion Credit reporting agency. In addition, a letter requesting proper debt validation due to identity theft was received on XX/XX/XXXX17 @ XXXX by Transunion XXXX Transunion is in violation of the Fair and Credit Transaction Act by not honoring valid police report 's and has yet to provide 100 % accurate debt validation in lines with the FCRA. Transunion appears to only be utilizing the e-oscar verification process for fraudulent account verification. I am willing to move forward with a consumer attorney for a resolution if im unable get this issue resolved.
For the XXXX time, McCarthy Burgess & Wolff is attempting to collect a debt on behalf of the XXXX XXXX XXXX that I do not owe.
I am having difficulty resolving an issue listed on my credit report with SANTANDER CONSUMER USA, a creditor. I have attached a copy of the account for your review. Here is an explanation of my account : " I fell behind ( twice ) on my car loan and it was repossessed in XXXX, XXXX and XXXX, XXXX. A fee of {$370.00} was added to the account for both occurrences. I paid my car off, of the principal balance in XXXX, XXXX. In XXXX, XXXX, the car loan continued to be extended ( for fees incurred by the creditor ), even though my principal balance was paid in XXXX, XXXX. The payment changed from {$240.00} to {$200.00} a month, during this process. In XXXX, XXXX, {$7.00} showed as the remaining principal balance. XXXX, XXXX, the same amount showed as a principal balance of {$7.00}. It continued and in XXXX, XXXX, the balance was still {$7.00}, even though I paid the principal off in XXXX, XXXX. I paid the {$7.00} on XXXX XXXX, XXXX. The balance as of XXXX XXXX, XXXX, now shows {$0.00} cents. When my counselor and I called SANTANDER CONSUMER USA, they said they are keeping the account opened with a {$0.00} cent balance so they can collect over {$1000.00} in fees. I believe this is not only unfair, but negligent on the creditor 's side. I have already paid the balance in full and the creditor continues to charge me fees. I am seeking to resolve this matter, with your help and request the fees to be removed entirely and make the balance on my account reflect zero on the credit report. ''
I am XXXX and on social security XXXX and trying to correct errors on my credit reports. In XXXX 2011 my son passed away in a very tragic circumstance, Afterwards I lost my employment due to military XXXX, I was forced to voluntarily reposses my recreational vehicle, Wells Fargo Dealer Services accepted vehicle and the repo agent stated under law I would be notified of any sale time and place. I was never notified of the sale of the vehicle, I also believe Wells Fargo violated the law as the sale of the vehicle was not commercially reasonable, therefore any deficiency is illegal, Wells Fargo needs to remove this account from all my credit reports immediately as they have violated repossession state law and The Fair Credit Reporting Act.
I have been calling American Express since XX/XX/XXXX. I was offered a promotional bonus of XXXX rewards points for spending XXXX  $ to upgrade to a new card. My original call was simply seeking a replacement card. I was convinced to upgrade due to the great promotion. I spent required XXXX $ within the first month and was denied ever being offered this promotion. I have been calling since then over 10 times speaking to muliple representatives and supervisors to review the call. All tell me they will call me back within 48 hours. 3-4 days later, i keep calling to file a complaint and i recieve the same run around and am asked to explain a 20 minute story to 2-3 different representatives/managers. All appologize and agree with my frustrations and continue to do the same, give me a 48 hour call back period and i keep getting the same run around. I want to have a solution to this or i will cancel my account and my wifes. I dont want to support a company that is wasting my time and not acknowledging what was offered to me.
Both of our mortgages were sold to Green Tree Servicing , LLC by XXXX XXXX XXXX. XXXX were the original mortgage lenders. Both mortgages # XXXX and XXXX, are in foreclosures status. We are trying to work out an amicable and achievable modifications for both. On XX/XX/XXXX, I received a call from Green Tree, rep, XXXX regarding account # XXXX. He proceeded to inform me that I was missing some documents and missing info on XXXX form. He was very rude, derogatory and belittling. His tone was offensive. I finally requested that he does not call me anymore. My husband and I already feel bad about being in this position. We are not criminals, which was how XXXX was conducting our conversation. When I told him that he lacks customer service skills, he proceeded to inform me that he 's a debt collector, he implied that he operates under a different set of rules. Are debt collectors allowed to demean and 'bully ' their clients??? 
I would like both of our mortgages to be sold to another mortgage lender before re-modifying.
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/XXXX, 60 days past due as of XX/XX/XXXX, 90 days past due as of XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Great Lakes has not informed us appropriately about how income-driven payment options would allocate monthly payments for my wifes student loans. My wife has been enrolled in income-based and/or income-driven plans for student loans. We made {$1000.00} monthly payment for first year and than increased payment to {$1800.00} monthly in second year. Almost all of our payments were allocated to the interest, esp graduate plus loan payments. Therefore, our total loan payments increased by at least $ 18-20K since she graduated from the XXXX school. I have personally called them many times to pay the loan amounts in a greater portion to reduce the principal amount. During those calls, they never discussed about how we can pay on monthly basis to reduce the principal amount. It seems that greatlakes failed to discuss the minimum amount needed beyond the {$1800.00} we have been paying to reduce the principal amount. Therefore, providing very poor customer service, not looking into the best interest of the borrowers, pushing the borrowers into more debt amount. This is very unethical way of doing business.
Experian refused to investigate my identity theft claim of unauthorized and fraudulent accounts and credit inquiries listed on my Experian credit report, even though I filed a police report with the XXXX XXXX Police Department and have a police report on file. Police report case number : XXXX : XXXX. I am a victim of identity theft. The following accounts and credit inquiries are unauthorized, fraudulent and is the result of identity theft : XXXX Bank, XXXX XXXX XXXX, XXXX XXXX Bank XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Bank, XXXX XXXX XXXX XXXX, XXXX Bank, XXXX BankXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Rental History Reports, XXXX XXXX XXXX.
ProCollect refuses to provide any further information to verify the debt other than the name of the company and the amount. There is no contact information for the medical company as it appears they are no longer in business. The medical group appeared to provide services in XXXX 2009 but we have never been contacted by phone or in writing until after the account was placed into collections and reported to the credit bureaus. We did not even get a chance to provide insurance information to the original provider.
I 've received correspondence dated XXXX XXXX 2017 from XXXX XXXX ( Walmart M/C ) that had lowered my credit line from XXXX to XXXX based upon erroneous information about my credit profile. My credit profile is in good standing and the bank needs to readjust my account correctly. Pursuant to card act I was suppose to get 45 days in advance about the reduce credit line. This bank has overcharged me with over the limit fees, my limit is lower than my existing balance, and the monthly payments are twice as high. This bank can not charge me over limit fees, if my limit is lowered than my existing balance. XXXX XXXX has  violated my rights under FDCPA and they had impaired my credit score without allowing me the benefit of doubt to refute the deficiencies. I have never missed a payment, and I have sent more money on my account for 2 1/2 years. I refuse to pay on a card that has a reduced credit line, and wants me to pay {$110.00} per month on the reduced credit line balance when I was paying XXXX per month on the card.
I filed bankruptcy only one was XX/XX/XXXX, My Trans Union was discharged.

( See Attached ). They change dates and switch names now to XXXX XXXX XXXX. The last time attend College was in XXXX. They are still reporting incorrect information.
I applied for a XXXX loan with Bigpicture loans, and to date have paid back approximately1000 I have advised the company that paying back more money is creating great financial hardship but they are not interested in helping to eliminate this debt. To fulfill the terms of the loan that I was a little unclear about when I applied, I will have to pay another XXXX in payments. My bank account is being drafted every 2 weeks and I am unable to continue with these payments.Please help
To whom this may concern : In mid XXXX of XXXX, I contacted XXXX. XXXX about a closed account that was on my credit and I was unaware of this charge. I called to get as much information about this account such as what is the company, a signed contract, who were the people on the contract, when did the agreement occur, address and phone numbers listed on the account etc. They were very rude with giving me information and made comments like " How you do not know about this account being on your credit ... This is your account ... '' I had to nearly argue with the representative letting her know that I am a victim of identity theft and I never ever paid any attention to my credit until now and just had a child so I am trying to better my future by starting to work on my credit. The representative informed me that there was nothing they can do, due to the loan being bought by a collection agency by the name of MRS Associates but can send me the contract via mail and instructed me to fill out a fraud packet on their website ( in which I did ; no response back ). I contacted MRS Associates by mail on XXXX XXXX, however the mail was returned OPENED. So I did my research once again and look at their website. On XXXX XXXX, XXXX and XXXX XXXX, XXXX, I emailed MRS Associates ( XXXXXXXXXXXX ) asking for validation and not verification with signed contract. I have yet to received a response from both companies. As well, I have contacted the XXXX XXXX XXXX in XXXX, Texas where the perpetrators purchased the vehicle and asked for camera footage to turn in to law enforcement. I was informed that they are unable to go back so far being that it was XXXX, XXXX and they do not have footage from that far. I have been a victim of identity theft and provided MRS Associates and XXXX. XXXX with proof but nothing has been done as of today. I have all the documentation including FTC Identity Theft letters that I sent to both companies and no response.
I received a collections letter from ERC that is collecting on behalf of XXXX XXXX. I was never in a contract with XXXX XXXX. I have not had their service for over 2 years and my account was paid in full when I had the service discontinued.
I receive a debt collection letter. 
by mail that are unknown. 

XXXX XXXX XXXX XXXX //// Total Balance Paid, XXXX // Yr. 2016 ... ..other debts unknown../////// Current Creditor, XXXX.. par ) ..unknown ..
Because of the Experian Site hack I had to freeze my information. I put the password in the safe. Now I need a XXXX and I need to get a loan. The safe will NOT open. I can not get a credit report to get the loan no one can get them even the company trying to get the credit report! 
I have tried to call ALL the numbers on the experian site the menus do nothing but run you in circles you can not get a live person to talk to to verify you are who you say you are. This was caused by them and they can not answer their phones. 
I say they are profiting from the consumers and they need to make themselves readily available for the public they serve not just make the money and forget the personal service! 

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Indiana XXXX Home phone : XXXX cell XXXX
Hello, I am an  XXXX  veteran that served from  XXXX  to  XXXX  with  XXXX   XXXX  to  XXXX  and returned home rated   XXXX   XXXX   XXXX   by the  VA. Today,  a collection agency is now threatening wage garnishment on a debt that has been completely paid by their taking our income tax return this year of {$8500.00}. When I joined the  XXXX  I entered into the student loan repayment program which paid just over {$30000.00} on old student debt from  XXXX . That payment was considered income by the military, so around {$8000.00} was taken by the IRS and {$22000.00} was applied to the student loan debt. From  XXXX  to present the loan debt was sold to  four  different collection agencies. For that reason, the repayment program did not work in a timely manner. Otherwise, I would have been able to manage the tax payments over my la st three ye ars while still serving. I have been back in school since  XXXX  and I am currently pursuing a  XXXX  degree full time using the  G.I. Bill. I  hold a part-time job and I pay child support for  XXXX  sons in addition to our regular living expenses. This debt has been paid in full as the IRS took {$7900.00} which was then still owed by me. And this year our tax refund was {$8500.00} which was paid directly to the collection agency KHEAA. This collection agency has inflated the original amount owed and is now trying to collect over {$4000.00} in fees by threatening to garnish my part-time wages. Do I have any way to stop them? This is a vicious cycle that has been going on for the past  four  years! Please advise. Thank you.
I have been out of school for almost a year & a half at this point. I started making my student loan payments about 8 months ago. When I first took out loans via Sallie Mae I was told the re-payments would be low and feasible. So I did it. I took out about XXXX with Sallie Mae. My first statements showed XXXX a month payments. I called and asked how that could be, it was n't feasible as promised & a 10 year payment option is not doable for my situation, I was told 10 years is all they can do and they had no solution for my situation. How can this be? I 'm struggling to make ends meet and climb deeper in debt each month just so I do n't miss a payment via Sallie Mae.
Moneygram refused to release emergency funds for medications that I had transferred to my daughter until after I had ruined a dinner engagement, been disconnected after almost 15 minutes on hold on the first phone call, been placed on hold for over 20 minutes after being transferred to another department during the second call., and treated like I did n't know my own daughter. My daughter also wound up waiting about 2 hours in the store parking lot for us to clear up the issue. Their treatment was offensive and bordered on harassment.
After viewing my credit profile i realized  Tower Loan System  placed a inquiry on   XXXX   XXXX   that I had no knowlege of. I contacted them on several occasions asking for copies of the signed documents and identification used on my behalf . Tower Loan  never responded which clearly violated " FCRA ' ' 609 ( e ) ( 15 U.S.C. sec1681g ( e ).
I was overpaid by the Department of Veterans Affairs in XXXX of XX/XX/XXXXin the amount of {$690.00}. Over 42 months later, in XX/XX/XXXX, I was notified of negative information on my credit report. I called the VA to find out what happened and paid back the overpayment immediately. They then refused to remove the information from my credit report. They claimed they sent letters to me in the mail, but it was to an address I hadn't lived at in well over three years. That was the only effort they made to contact me, despite having my phone number, email address, and updated mailing address. This was not a consumer credit transaction because it was an overpayment, not a loan, and I never agreed to borrow that money. It should never have been reported to the credit bureaus. I contacted them one last time to request removal by email on XX/XX/XXXX and have not received any reply. 

I have disputed this item with Transunion and XXXX ( it does not show up on XXXX ) in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX under the grounds that I had no knowledge of the account, it had been settled, and it was not a collection or charge-off account. All disputes resulted in the credit bureaus simply verifying that the VA did indeed submit the information to them and they did nothing else. The negative item remains on both reports.
On XXXX XXXX, 2015 we refinanced our loan with Nation Star Mortgage ( the loan was already with them ). All disclosures, Estimated Fees and Costs, the Federal Truth in Lending Disclosure Statement, the Payment Letter to Borrower, the Impound Authorization and Payment Notification, the Initial Escrow Account Disclosure Statement, etc., and the repeated assurance of our loan officer stated the same thing : our PMI payment was {$330.00}. The first payment statement ( in XX/XX/XXXX ) from Nation Star had PMI at {$330.00} as agreed. Now on XXXX XXXX, I get a statement telling me that my PMI is now {$540.00} - a SHOCKING increase of {$210.00} every single month - that is {$2500.00} per year! I called Nation Star today and they had absolutely no information except to say that they ( the escrow department ) had " just gotten all of the information '' and that my PMI is now {$540.00} per month and that they needed even more additional money per month because they " did not ask for enough up front at closing for their 'cushion ' so there is a shortage that is also going to require an additional {$65.00} for the next year so that they have the proper 'cushion ' on hand. '' This is a fixed rate mortgage. The principle and interest are {$2400.00} per month. The disclosed/agreed PMI was {$330.00}, the hazard insurance was {$100.00}, and the taxes were {$390.00} for a total monthly payment of {$3200.00}. Now they are claiming P & I is {$2400.00}, PMI is {$540.00}, insurance is {$120.00} ( which I expected because Nation Star told us to get more insurance in XX/XX/XXXX so it increased the annual premium by {$100.00} per year ), taxes are {$390.00}, and the escrow " cushion '' shortage payment of {$65.00}, for a new total payment of {$3500.00}. This is almost {$300.00} per month higher than disclosed and agree just one month after our first payment! Had we known that the PMI payment could fluctuate like this, we would NEVER have agreed to this loan - we had other options! We spent over an hour on the phone trying to get some answers, but got no where beyond " that 's just what you owe '' and " that 's how the numbers came in when we got them. '' This can not be right! Please help!!!
I contacted Loanme about a consolidated loan for $ XXXX {$20000.00}. They qualified me, gave me a verbal commitment, quoted fees, and sent me information by email. When they asked me for personal account information I questioned them on the information they asked for. They would only talk over the phone so I would not have a record of the conversation. I provided them information when they told me they would do the loan. After I did they asked for more personal information. When I asked for a loan commitment they did not give me one. when they offered me a few thousand dollars, I told them I get that on a credit card and not pay their kind of fees. When I told them they were violating my credit rights they quit contacting me and gave me no closure. They took a lot of personal account information for the amount they loan. banks and credit card companies do n't ask for the information they requested. I believe they violated my credit rights.
I closed a XXXX account out in XX/XX/XXXX. I went returned the phone and paid my last bill. in XX/XX/XXXX 2 years later DIVERSIFIED CONSULTANTS broke several laws in attempting to " refresh '' a debt. without following the FCRA law. I have attached a copy of the violation. its is section 605 of the FCRA. In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) 6 of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. 

In addition, diversified C failed to adhere to FCRA LAW which states that the collection agency must, 30 days before reporting to the reporting agencies send me the information in writing. I spoke to them, they claimed not to have my current address, i know this not to be the case. With out my consent they procured a copy of my credit report, yet another law violation.
I never applied for a personal loan. My identity was stolen and person try to get apartments and loan in my name! I would like them to investigate as I attached documents to prove my identity was stolen. Along with my driver license and and passport!