WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX 2016 National Auto Lenders repossessing a vehicle or fraudulent fraudulently I have recently found out through a copy of my title history report that they still own that vehicle they sent me a fraudulent deficiency balance notice saying that they sold that car so that 's how to prove that they never sold the vehicle and I want it removed from my credit report XXXX and XXXX has already removed it with information that I have sent only XXXX will not remove it with the information that I sent I am seeking you any type of monetary value that I can get from this fraudulent case but right now I just want them to remove it from my XXXX credit report I am uploading a copy of the title thank you
EXPERIAN fails to remove the XXXX XXXX XXXX account. EXPERIAN reports incorrectly that this account has a credit limit of {$67000.00}. EXPERIAN reports incorrectly that this account is revolving. EXPERIAN reports incorrectly that this account has a past due amount of {$64000.00}. XXXX continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
On XXXX XXXX 2017 I sent written request to XXXX, Transunion, XXXX  requesting physical verification of the original signed consumer contract accounts posted on my credit report. I requested that validated these for debts that were being reported. I have never received any physical copies.In the results of the first investigation they stated in writing that you verified that these items are being reported correctly with out any proof. I then sent a letter asking who verified these accounts. Which they were not able to provide any proof. On XXXX XXXX 2017 repeated the same process. I still have no physical verification.
I had a credit card for Sam 's Club issued by Synchrony Bank which I closed in XXXX of 2016. I had earned a cash reward of about {$170.00} which they are refusing to give it to give it to me.
This company has suddenly placed a negative listing on my XXXX credit report saying they have a collection account opened on XX/XX/2017 and that I owe a balance of {$730.00}. The listing did not appear in XX/XX/XXXX, but in late XX/XX/XXXX. 

I do not know what this debt is, do not recognize it in any form or fashion, and do not believe I owe this company any money. 

Furthermore, I have NEVER been contacted by this company in regards to supposed alleged debt, or notified of any collections activity. Nothing in writing has ever been sent to me to notify me of any attempts to collect where I could exercise my legal rights to verify or dispute, before placing damaging, inaccurate information on my credit report. This is in direct violation of the Fair Debt Collection Practices Act, and the Fair Credit Reporting Act. 

This inaccurate, unverified information, of which I was never notified, needs to be removed from my report immediately, and the company needs to follow the law in regards to it 's collection practices and make sure debts are valid, and the consumer is contacted and given an opportunity to dispute, before reporting to any credit bureau.
On XXXX/XXXX/15, I received an e-mail statement from Bank of America 's Online Banking, stating I have a payment due on XXXX/XXXX/15 for {$99.00}. On XXXX/XXXX/15, the same day I received the email statement, I made the payment of {$99.00} and it posted to my account on XXXX/XXXX/15. 

On XXXX/XXXX/15, and on numerous dates thereafter, I contacted BOA via chat and telephone, to inquire as to why it was still showing that I still had a payment due on XXXX/XXXX/15 for {$99.00}. I was informed that BOA was making changes to their Online Banking system and that I need not worry and my {$99.00} payment on XXXX/XXXX/15 will be applied to the XXXX/XXXX/15 due date. 

On XXXX/XXXX/15, I noticed that my account was past due, there was a new payment due immediately for {$98.00}, a {$25.00} late fee for payment due, my card was blocked from use and my credit line was decreased from {$10000.00} to {$8900.00}, as a result of this " delinquency. '' All of these penalties occurred without reason and prior notification to me. 

On XXXX/XXXX/15, I contacted BOA via chat and telephone and after research, it was discovered that it was bank error that my payment for the XXXX/XXXX/15 due date was incorrectly applied in the system and therefore, I received a {$25.00} late charge adjustment. I was then informed that this matter would be immediately rectified and the new payment due immediately for {$98.00} would zero out and I would only have to pay the XXXX/XXXX/15 amount due of {$120.00}. 

On XXXX/XXXX/15, I noticed that my account was still past due, and now I owed an amount of {$220.00} by XXXX/XXXX/15 ( $ 98+ {$120.00} for XXXX ). I contacted BOA again via chat and telephone and again, was advised this would again be immediately rectified. Not trusting BOA after false information was previously provided to me, I paid both the {$98.00} and the {$120.00} to have my account placed back in good standing, even though it was in good standing and always has been. 

On XXXX/XXXX/15, I contacted BOA via chat and telephone and inquired again as to why this has n't been rectified and more importantly, to request my previous credit line of {$10000.00} be RESTORED, since the reduction was a result of BOA incorrectly putting my account in delinquency. I was advised that would be impossible without running a new credit report and I declined. I DID NOT REQUEST an INCREASE in my credit line, I requested my credit line be RESTORED, due to BOA 's error. 

Not only did BOA misapply my payment, I had to pay a new payment due immediately for {$98.00}, a {$25.00} late fee for payment due, which was later refunded, my card was blocked from use and my credit line was decreased from {$10000.00} to {$8900.00}, and the refusal to RESTORE it, as a result of BOA 's error, is appalling.
I was being charged {$25.00} from what I believe the last two years maybe more never realized it. I check my statement but since I have many transactions it went unnoticed. It is from a company that offers family insurance in case of accident that Bank of America offered me but I never signed any paper that I recall. I dont step foot in a bank mostly is all through online and they didnt even have my current phone number so how did they get my account number if it was supposeably through phone. I have been trying to speak to that company and a representative just told me someone would call back to talk to me. They couldnt give me any details. All I want is for them to prove if I signed up for it or if they committed a scam I dont recall giving them my account number.
My son has several loans under the collection wing of Navient. My son lives in XXXX and has been denied an opportunity to lower his payments secondary to me ( his mother ) being a co-signer. I too am paying school loans and currently work in public schools, we do n't make much is public schools. I have tried to make payments of XXXX monthly and my son pays the remaining XXXX or so dollars. In XXXX hehas had a difficult time with money transferring to his Navient account. The 1st day it is late I receive upwards of 7-10 calls from Navient. As a nurse whose phone is used for district business, I have repeatedly asked them verbally and in writing not to call my phone. Navient uses numbers from all over the U. S. New York to Florida, XXXX, to XXXX. We are good people who work hard. Navient is awful.
I suppose I had a debt with XXXX that I was never aware of. I never received a letter, nor a phone call. I checked my credit, that I keep a close eye on after my dad stole my identity and opened 2 credit cards in my name to find that CBHP of XXXX Texas had bought my debt from XXXX. They have added on XXXX dollars of their own fees. I called as soon as I saw this on my report to figure out why I was never contacted or aware of this so I had a chance to resolve it, and they told me they had called my grandparents home phone number, and they have never received a single call, and they sent mail to my dads XXXX XXXX supposedly, but I havent heard a word about that either. So, when I was asking questions to figure out what was going on, how this happened, why it was so much more and things of that nature the representative of CBHP continued to hang up on me after every question I asked that she didnt like or feel like she should have to answer. When I asked for her supervisor she put me on hold and then told me she wasnt available, then once again, hung up. I called back, I asked her why she was hanging up and she said its because I was being difficult and I told her collections and customer service are one in the same, and she informed me well first of all, youre not a customer. And then hung up again. So I called back again, and asked to speak to someone else, she told me she wasnt letting me speak to anyone else and hung up on me, again. I called back and she finally let a man answer the phone. He told me that their supervisor wasnt there and told me to call back, couldnt tell me when I could actually talk to someone without being hung up on. How am I supposed to figure out my debt with a company who hangs up on me after I ask a question they dont like, and theyre not XXXX  accredited so they think they can treat people like XXXX. I never signed a contact with them, and they are making it impossible for me to figure out what is going on and what I need to do. I was not given any notification, or any way of knowing. When my identity was stolen, and XXXXXXXX XXXX  credit cards were opened they were able to track down my real phone number to contact me about my debt and did everything they could to help me resolve the issue. Why couldnt this company? Theyre a joke and what they do should be illegal. They did not do their due diligence and theyve done nothing but lie, be deceitful, and hang up on me when Ive tried to get information.
On XX/XX/XXXX I submitted a claim to my insurance company, for roof damage by a storm. By XX/XX/XXXX the claim was settled, I then submitted the check to XXXX XXXX because I have a Reverse Mortage on the house, all documentation has to be submitted tot hem for a 2nd time because they received it before the inspection was done by their inspector. 2 1/2 weeks later they sent the first check back to me indorsed. The contractor submitted an invoice for supliment work inside the house, XXXX XXXX XXXX   XXXX sent a check for the completion of the work on XX/XX/XXXX. This check included the depreciation amount, XXXX XXXX sent the inspector out a second time, the report stated that the work was 100 percent complete. They have repeatedly come up with a reason or excuse to not to indorse the check therefore I can not pay my contractor. It is now XXXX XXXX XXXX I either called them or received calls from them daily with reasons they come up with not to endorse the check. At this point the contractor is considering a lean against the property because of delay of payment. The insurance company has been supportive of me and the frustration of dealing with XXXX XXXX. They continue to lie about additional documentation saying that it has been sent from the insurance company with a different amount and want to send out another inspector even though they have already sent an inspector who has deemed the job 100 percent complete. I have spent over {$200.00} in overnight evenlopes sending out checks to them which they continue to send back unendorsed.
At the end of lease my vehicle was inspected and I was charged for extra wear and tear. The letter they provided detialed that if the balance is not paid by XX/XX/2018 it will be reported to the credit reporting agencies as charged off balance. 
I checked my credit report a week ago and saw that this balance was already reported to the credit bureaus as late payment. I called Hyundai Finance and was told they could not do anything about it. I condemned their letter and explained to them that you were not supposed to report anything untill the date you mentioned on the letter. The customer service apologised and said they could not change the past even if I piad the balance off before XX/XX/2018. 
I included the letter for you to see it.
I sent XXXX XXXX XXXX a debt validation request asking for complete documentation to verify that I owed the alleged debt and had a legal obligation to pay. Their response was a few pages of billing statements that contained no identifying information. My name, address, phone number, banking information, etc. was not listed on any of the documents. Furthermore, they failed to provide me with the agreement with the creditor that they are authorized to collect the alleged debt, the agreement bearing my signature stating that I have agreed to assume the debt, valid copies of the debt agreement, proof that the Statute of Limitations has not expired, proof that they are authorized to collect the alleged debt in my state, along with license numbers and Registered Agent. These are all things I am entitled to in conformance with my rights under the Fair Debt Collection Practices Act. 

I provided XXXX XXXX XXXX 30 days from receipt of the debt validation request to provide me with the requested information.The validation request very clearly states that non-compliance with my request would be construed as an absolute waiver of all claims to enforce the alleged debt against me and all instances related to this account must be immediately deleted and completely removed from my credit file. 

The original creditor in this matter is XXXX, which apparently is a phone company. I've provided documents from my phone provider, XXXX, with whom I've been a customer for several years.
I moved in XXXX to a new apartment. Since my current internet service XXXX XXXX XXXX XXXX was not available at the new location, I paid off my what I thought was my last XXXX XXXX XXXX XXXX XXXX and canceled my service. A year later, in XXXX, I had to move again. This time I could n't qualify for my new apartment due to a bad credit rating from XXXX XXXX XXXX XXXX! Instead of mailing the bill to me, XXXX XXXX XXXX had sent me to collections for {$86.00}. I had no idea that the bill even existed. I had changed my address with USPS and I received other bills/correspondence in the mail at my new address, but XXXX XXXX XXXX never attempted to contact me. I was able to pay the {$86.00} and get a print out showing proof I had paid it off and I did get the new apartment. It is now XXXX, and I am moving again and what shows up on my credit report? A collections entry for XXXX XXXX XXXX still! I have my bill conformation from XXXX XXXX XXXX as proof I paid it off. I want it off my credit report!
I have received automated calls from a company calling themselves Portfolio Recovery stating that they have received a bad check through their office with my bank information, routing number and social security number and to press XXXX to speak with a representative. They will come on the line, verify my number and last XXXX digits of social security number then place me on hold to look up my file. The never come back to the line. After XXXX minutes or so the line goes dead.
so the name of the company is specialized loan servicing LLC. Account number is XXXX Account : XXXX. 

So I am in Chapter XXXX Bankruptcy, but this Mortgage lender is not a part of it, My lawyer has already sent them a Written letter letting them be in contact with me to discuss anything. 

When I login to the Website I get this message " XXXX Not Viewable The Account you have selected can not be updated or viewed at this time. Please Contact Customer Assistance with questions or further information at XXXX XXXX Account : XXXX Address : XXXX XXXX XXXX XXXX, LA XXXX Status : Bankruptcy " Even though I have been with this lender over a year, Never missed a payment and never late on a payment, And my lawyer has already written a letter giving them permission to allow access to all the information explaining they are not a part of the Bankruptcy. 

What I want is to have access like I feel I should have to my information since this is my Mortgage and I have a right to all my information. Very poor Customer service also. Have been treated like I am in default with them and talked down to. 

I Would like for them to apologize for treating me this way and most of all, I would like access to my account again.to
Agency continues to call my cell phone even after verbal notification that my cell number does not belong to the person they are attempting to contact.
About a week and a half ago the credit card payment atm are my card and I called to get a new one and it never came in the mail it was supposed to be by XXXX XXXX it was a capital one sponsored quicksilver card XXXX I think XXXX
Received a call from First Recovery Services or Solutions stating I took out a payday loan online in the amount of {$350.00}. I informed them that I had not taken out any payday loans online. I asked First Recovery Services what their address was. They would not provide it. I asked them to provide me with the date it was taken out. They that the loan was taken out prior to XX/XX/XXXX and charged off. I asked them to provide me with proof that there was a loan. They would not. 

The next person said the loan was refinanced by XXXX XXXX XXXX in XX/XX/XXXX and that more than {$500.00} is owed. Once again, they could not provide me with dates and would not provide me with proof. They said they would see me in court because I would not pay them. 

I have not taken out any payday loans and I certainly did not refinance anything in XX/XX/XXXX. I have never received notification nor have taken out such a loan. I continuously check my credit and no such creditor has been put on there. They provided me with an address that is more than 10 years old. 

They have called more than 10 times from various numbers. They had a guy from what they indicated was " their legal '' department also called me from an XXXX number and then he called three other times from XXXX. They have called various family members of mine in informing them that it is urgent to get a hold of me with and give them a claim number. They have contacted my significant other 's business four to five times. This loan is not mine and this is harassment.
I have been getting 10-15 harassing calls a day from a collection company called Progressive Finance on my cell and house phone.
I received a phone call from Dynamic Recovery Solutions saying I owed a debt on a medical bill from 2010. I informed who I was talking to that I did n't believe I owed this debt. A manager got on the phone and was very rude and told me that I did owe the debt. I live in the state of GA and this debt is past then statute of limitations. Also, I called the company XXXX on XXXX and spoke with XXXX and told him that I did n't believe I owed this debt and it was passed the SOL he said he would note that I was disputing this. I also told him that I was going to send a cease and assist letter. He told me no need to that he would note it in the system for me not be contacted. I received a letter in th mail that was written on XXXX from the above company that they had noted my account was disputed and would cease collection efforts on this debt. However, today XXXX I received a call from this company using the number XXXX. I did not answer this number but upon calling back it was Dynamic Recovery Solutions. I have received three letters in the mail and also calls after I had asked them to stop and I disputed the debt. The letter also stated they " may '' report it to a credit agency. This debt is past the SOL and I 'm am disputing the fact I even owe it. I feel like this company has violated the Fair Debt Collections Practice by threats and calling after dispute was received. Upon research I have found that this company has done this to many others as well. I also fee the threat to report this on my credit is a violation of The Fair Credit Reporting Act. I will be writing a cease and assist although it was verbally given and confirmed at the above date. This company I feel violates consumer 's right by harsssing phone calls and threatening letters.
I have cancelled my membership with Experian in XX/XX/XXXX. They suggested me to switch to basic membership for free and I accepted. Today, XX/XX/XXXX, I learnt that Experian has charged me for XXXX  dollars each month since XX/XX/XXXX. This is the fee that anybody should pay for keeping premium membership. I called them on XXXX. I firstly chose option of " Cancel '' on automatic service and got an answer of " you have basic membership for free '', which is correct but contradicted to their monthly charge. Afterwards I called them again using the same number and after 2 hours somebody answered. She told me they have had some technical problems and she is able to return only the last charge as a courtesy while I have been charged for 10 months totally about 270 dollars! She connected me to her supervisor and she offered me the same payment ( returning only the last charge ). After my telephone call they changed my membership history so that it does not show anymore that I had cancelled my membership inXX/XX/XXXX ( I learnt this when I checked my membership status online again after my telephone call ). I left a public post on their XXXX page but they removed and transferred it to private message box and replied me with some general statements ( please see attached ). I am a XXXX  of XXXX  and this money is a lot for me and it should be returned to me. This issue has not occurred because of my fault and I emphasized again it must be returned to me. I need your assistance to help me in this regard. My customer number is XXXX.
I do not recognize this company and I do not owe them, remove this from my credit report..I already sent letters to the credit bureaus to no avail..CFPB step up and remove XXXX/XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX/XXXX XXXX, XXXX/XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX XXXX, Chapter XXXX  Bankruptcy XXXX, Chapter XXXX   Bankruptcy XXXX
I have medical XXXX welfare and he covers all medical bills XXXX hospitals bills ) during that time I do n't have any outstanding. and I told that to the collection office XXXX
I recently tried to purchase a vehicle and noticed I had several credit cards with outstanding balances. I have never taken out a credit card. I am currently a victim of identity theft. I have called several of the banks with outstanding balances and have closed some. ( so they say ) Accounts range from XX/XX/XXXX to  XX/XX/XXXX. that would mean someone has been using my social since I was the age of XXXX. 

Originally XXXX XXXX then sent to resurgent ( 3rd party debt collector ) amount due : {$2000.00} date opened : XX/XX/XXXX I was XXXX in this year I have never received a call, email, or mail from them because they never had my real information until I contacted them early XX/XX/XXXX. 

XXXX amount due : {$2400.00} date opened : XX/XX/XXXX I have never received a call, email, or mail from them because they never had my real information until I contacted them early XX/XX/XXXX. 

XXXX ( 2 accts ) amount due : {$0.00} date opened : XX/XX/XXXX ( XXXX yrs old ) amount due : {$530.00} date opened : XX/XX/XXXX I have never received a call, email, or mail from them because they never had my real information until I contacted them early XX/XX/XXXX. 

XXXX XXXX XXXX amount due : {$1400.00} date opened : XX/XX/XXXX have never received a call, email, or mail from them because they never had my real information until I contacted them early XX/XX/XXXX. 

I have called the 800 # s of these banks none of them had my actual personal information and I was told that there is an authorized user on them. 

address discrepancies contact info discrepancies age discrepancies