WillisBack/dataset-financial-user-claim huggingface dataset:
I had a phone call from this company XXXX XXXX XXXX from phone number XXXX. He did not state who he was with right away when I asked. He asked if this was XXXX and I said that is correct. He then told me who he was but did not tell me he was trying to collect on a debt that I am not aware about. I asked him to send this information in the mail and then he got nasty with me and told me to go XXXX myself and that he will let them know I am not willing to corporate and hung up on me. They call crazy hours like XXXX central time. This took place on XX/XX/2018 at XXXX XXXX. I then proceeded to call company back and told them I wanted to speak to a supervisor. The supervisor was rather rude and was explaining to me that they do not have to provide documentation about this debt. I asked him to send to me in US mail and he was rude about it. He also stated to me that this is my account and he does not need to send this information. I said to him that according to the Federal Reporting Act he does by law. He then hung up. I do not feel this is good practices for this company.
Portfolio Recovery Associates is trying to collect a debt they bought from XXXX and they are no longer Licensed to operate in the state of Missouri
Back in XXXX 2016, we sent a request to Freedom Mortgage for a short sale on XXXX XXXX 's loan. We had trouble with the Servicer getting the Foreclosure postponed. I reached out to XXXX XXXX 's VA Rep for assistance. He has been very valuable in getting communication from Freedom regarding this file. Freedom is now telling us that they will not proceed with a short sale unless they have a purchase price of {$180000.00} which is the XXXX determined by the Appraisal. The Manager that I spoke with this morning named XXXX said that this is VA requiring the purchase price of {$180000.00}. So once again I reached out to our VA Rep and this is what he told me : " Good Afternoon, The net proceeds that need to go back to mortgage company at time of short sale closing is {$150000.00}, not {$180000.00}. If the loan is delinquent, which it is, the servicer will contract-out for property maintenance. These are fees that can be claimed with VA by the mortgage company if the loan is not paid in full ( which this is the case because this is a short sale situation ). Please let me know if you have any other questions. XXXX XXXX. '' this was my response : XXXX, The net amount going to the Servicer is over the {$150000.00}. If you look at the XXXX attached XXXX the payoff to Freedom is {$160000.00}. 
They will proceed unless we have a purchase price of {$180000.00}, which puts the payoff to the servicer of {$160000.00} XXXX cd attached.Is there anything that you can do to help? '' It appears that Freedom is doing a big disservice to XXXX XXXX 's loan and trying to obtain a higher payoff in a short sale. This appears to be fraud if the VA is requiring a lower amount than the servicer.
Debt collector keeps calling me at my phone number asking for someone who use to have my phone number 6 years ago. Asked them repeatedly that I am not the person you are looking for. I got a new phone and number 5 years ago and am not this person at this number.
I have several issues with Mr Cooper aka Nationstar Mortgage. I am currently having an issue obtaining payment assistance due to unemployment. I was approved for an unemployment plan for {$500.00} a month for 6 months with XXXX XXXX in XX/XX/XXXX with a first payment due XX/XX/XXXX. I made the first payment then a week later was told my modification was rejected. After several calls and voice messages I spoke to someone last week and they stated they would send for research and call me back in 72 hours. I never received a call but got several other letters stating my modification was rejected and that I was unable to be approved for any other modifications due to 3 or more modifications. I have only had one modification to my knowledge. I spoke with a representative XXXX XXXX today who stated he would send my information for review again as he doesnt see where I have had 3 modifications either. He also stated that the reason why the payment plan was rejected was that XXXX XXXX did not offer it and it was approved in error. Please help, I do not want my home to be foreclosed.
I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX stating that I owed {$7200.00} ( {$4800.00} principal and {$2400.00} interest ) to United Guaranty and they were collecting. I have never heard of this company and do not have any unpaid loans. Upon calling to inquire I was told that this was a student loan of my daughter 's that I had cosigned on from XXXX XXXX XXXX University in XXXX where she attended in XXXX. She has not had anyone contact her from this or any other collection agency and is currently making payments on her student loans monthly.XXXX XXXX told me they did not have to contact her because I was a cosigner of her loan and I was responsible for paying. This is the first I have heard of this issue and it seems shady to me since it was over 10 years ago and no one has contacted me about it or contacted my daughter. She is paying her loan so this seems like a scam of some sort.
Coast Professional , Inc is a debt collector. In late XXXX they falsely reported a debt on my credit report. It took me over 12 months to get Coast Professional , Inc to  deleted the debt from the 3 credit bureaus. They finally took it off when I involved the State of Arizona, Department of Financial Institutions and the Arizona Attorney General. 
On XXXX/XXXX/XXXX they responded to the State of Arizona, Department of Financial Institutions and on XXXX/XXXX/XXXX they responded to the Office of the Arizona Attorney General that on XXXX/XXXX/XXXX they requested all credit reporting bureaus to update and remove the reported information by Coast. However, their inquires still remain. I have again started the process for them to rectify their mistake and removing any/all inquiries yet I have gotten nowhere and now for the past 12 months I have continued to use my time rectifying Coast Professionals mistake.
I called Equifax to see why they are not reporting my authorized user tradeline for my XXXX card ( Account # XXXX ). They did not update my information as requested. It is showing on XXXX and XXXX but it is not reporting on my Equifax credit report and I want it reporting immediately.
This is follow up to my prior complaints ( XXXX and XXXX ). In my complaint XXXX I followed up on inappropriate delinquency reporting to credit bureaus for there specific months. Unfortunately, SPS is reporting inappropriately for additional months ... XXXX, XXXX, and XXXX XXXX. Let me be clear ... SPS should not be reporting any lates on either my first or second loan accounts with them ever. I want the three months referenced above and any others, corrected. I contacted XXXX at SPS ( as she was the one who sent the letter to me confirming correction of the credit reporting for XXXX XXXX, XXXX XXXX, and XXXX XXXX ) to address the additional months identified above ( XXXX - XXXX XXXX ) and left a message for her to return my call three weeks ago and have yet to hear from her, thus I am filing another complaint to resolve the matter. 

Regards, XXXX
I had a mortgage with XXXX XXXX  which was closed 10 years ago inXX/XX/XXXX.XX/XX/XXXX ...

I see they added derogatory information on my report stating that I have been paying a 30-day late on my mortgage every month beginning XX/XX/XXXXuntil XX/XX/XXXX.

This is incorrect as the mortgage was closed in XX/XX/XXXX.

When I called XXXX to get this settled, closed and removed, the person on the phone, said, They were only trying to regain their losses.

This account should not be appearing on my credit reports.

The last date of Activity on my account with XXXX was in XX/XX/XXXX.
I am an XXXX veteran. I received notification from the American Education Services/AES on XXXX XXXX XXXX, indicating my request for Direct Debit was approved on the following loans. My account number is XXXX. 

1 ) I was to pay {$35.00} a month for 160 months ( expected payoff XXXX/XXXX/XXXX ) on balance {$32000.00} ( interest rate 4.5 % ). This figure included late fees and unpaid interest 2 ) I was to pay {$22.00} a month for 151 months ( expected payoff XXXX ) on balance {$20000.00} ( interest rate 4.5 % ). This figure included late fees and unpaid interest I was also to pay an additional amount of {$66.00} for a total of {$120.00}. I have not missed a payment since the first payment was due on XXXX XXXX XXXXXXXX AES notified Pennsylvania Higher Education Assistance Agency ( PHEAA ) to assume responsibility indicating I defaulted on the loan and that was not true. Apparently my current owner at the time was XXXX XXXX, which has been involved in misallocating student payments. PHEAA is demanding I pay the loan in full immediately. I have submitted documentation, my bank has submitted documentation to PHEAA indicating I have not missed a payment. I no longer have access to my student loans via AES or PHEAA. I was told I would have to refinance and I refused since I was complying with the payment plan. It appears, PHEAA refinanced my loans without my permission for a larger amount adding some type of fee. I continue to make payments via my credit union, these are automated payments. I have submitted several letters to PHEAA and they simply state I failed to submit the appropriate documentation and that is not try. I need assistance on this matter. I am not sure who or what company is behind this matter. Thank you~XXXX XXXX XXXX
XXXX relentlessly called my cell phone and left voicemails not once stating it was to collect a debt, but that legal action had been taken against me and that I needed to return their call to prevent further legal action. When I did not return these calls, they managed to find the phone numbers of all of my immediate family members, and then continued to leave harassing voicemails for them as well stating similar legal courses. 

When I finally called in, I was told my number was no longer in service, although I had not and still have not changed phone numbers, and that although they mailed a letter to my old address ( I had moved cities for a new position ), family members ( or what they will call " References '' ) were their last resort. I was told they had no other manner in reaching me, even though they verified my email address without my needing to even provide it in the first place. 

So essentially, they had more than two ways of contacting me in attempt to collect a debt, and instead harassed myself AND my immediate family under false pretenses. For MONTHS. All for a whopping {$100.00}. 

Just to make it clear. Under The Fair Debt Collections Practices ( FDCPA ), all debt collectors in attempt to collect a debt MUST provide the following : Identify themselves during every communication. 
Notify the consumer that the communication is from a debt collector. 
Give the name and address of the original creditor. 
Notify the consumer of the right to dispute. 
Provide verification of debt. 

None of this information was provided to me until I called XXXX MONTHS after relentless harassment. Had I known from the beginning it was an attempt to collect {$100.00}, I would have called sooner, however from the initial contact, where not even my name was given ( voicemails only stated message was for " Name, Name '' ), all I knew was legal action was being taken against " Name, Name '' and that I needed to return the call right away.
On XX/XX/2017 I never gave my permission to this company to check my credit score and they did Hard inquiries Institution Information XXXX XXXX XXXX XXXX, MN XXXX
I have had a Huntington Checking account for close to eight years. I had overdraft fees in excess of {$530.00} resulting from an unauthorized purchase.I contacted the bank on several occasions regards. They proceeded to give me XXXX different complaint numbers. I followed all procedures. Provided all paperwork they requested on time. They continued to say it was not enough information at all. They several months passed after I returned the paperwork. They closed the account and requqested me to pay the {$530.00} in fees and turned it over to a collection agency. This is totally unacceptanle after a I tried to resolve all the issues with my account.
I closed my account with XXXX on XX/XX/XXXX. I returned all equipment and the bill was prepaid for a month in advance of the closing date. XXXX said they would prorate the bill and send me the money instead they auto billed my credit card for {$160.00} on XX/XX/XXXX, taking charges for XX/XX/XXXX which was not right because the service was closed. I tried to straight out over phone could not resolve any thing with their foreign call center person in XXXX. In XX/XX/XXXX Disputed their {$160.00} Charge thru XXXX card. 
XXXX investigated and reversed the charges back to XXXX. Did n't hear any thing from XXXX or get any kind of Bill, thought it was done, heard nothing for over a year and they had my forward address and mail was being forwarded for over a year thru XXXX. In XX/XX/XXXX looking at my annual credit report I see a collection agency negative report for {$160.00}. Contacted the XXXX in XXXX XXXX about this. They said it was for non payment to XXXX For {$160.00} told them the story for the last year and this was the first I had heard about it and that XXXX never sent me a final bill. Asked both XXXX and XXXX to send me an itemized bill and tell me what the breakdown of the charges are for because I had paid ahead and returned all the equipment so {$160.00} was an overcharge and I said I would be glad to pay it if they would just tell me what I was paying all this extra money for. Neither company ever sent me an itemized bill and just stated I owed that amount. Then in XX/XX/XXXX I get another letter from a different collection agency called AFNI in XXXX XXXX. They send me a collection letter for the same XXXX debt that XXXX contacted me for {$160.00}. I explain the whole situation to them and tell them XXXX has already put it on my credit report. They ignore my explanation Do NOT send me and itemized bill and then as of XX/XX/XXXX they put another negative collection debt under their name for the same thing on my credit report for {$160.00}. 
I am complaining about these two debt collector 's and XXXX they all refused to acknowledge my request for an itemized bill. They put the same debt on my credit reports twice, six months apart just to further lower my credit score and make it look like I had two bad debts instead of just one. Are this Fair Practices? I 've contacted everyone in writing with explanations : XXXX Billing Complaint department refuses to respond and i know they got it because I certified it. XXXX and AFNI collection companies just keep telling me what its for and do n't do any investigation or answer any of my Questions. I sent them certified letters also. Is this practice fair and legal to me as a consumer just to have XXXX contact a different debt collection agency every six months send me letters for the same thing and keep putting it on my credit report to make it look like I have a whole mess of bad debts? They wo n't even break the bill down for me and tell me what this money is being paid for, their customer service is horrible and inept. Yes I am complaining about all 3 of these companies for unfair practices : XXXX XXXX and AFNI in XXXX XXXX.
I disputed these items placed on my credit report by XXXX XXXX XXXX and Unisa Inc with all 3 credit bureaus for {$400.00}. It states it was opened XX/XX/XXXX with XXXX XXXX XXXX and Unisa inc stated opened XX/XX/XXXX as an education loan I never applied for they seem linked. XXXX XXXX XXXX removed it from my credit report after I placed a dispute with all 3 credit bureaus. I look today at my credit report a month later and XXXX XXXX XXXX has placed it back on my credit report again. I have no idea what these debts or installment loans are for I was never sent proof of the debt nor any sort of ledger card  showing I attended the college or there services. I would like proof showing why I owe these debts and how they have my information. I have no knowledge of this debt or debts.They are causing damage to my credit report and I would like to get to the bottom of this with this agency or agencies. I will also be writing a letter to my states attorney general in regards to these companies I have no business dealings with.
I purchased a XXXX XXXX XXXX off the lot. During the purchase I was guaranteed that XXXX would lower my interest rate after 6 consecutive months of on time payments. 3 years later and nothing. I 've called and got the run around. Gone to the dealership and they say I have to call. The bigger issue is a late payment they reported about 2 years ago that was their fault because my bank said they did n't pull the payment out. I 've asked to have it removed since it was n't late and the money was there as well as my branch manager confirming how the transactions always occur monthly. It 's not fair to continue to carry a negative that does n't belong to me.
Hi my name is XXXX XXXX i was told on the phone my payments would be XXXX a month at 20 % for XXXX i said okay then they had me esign the documents so i did then the had me pay one time on the XX/XX/XXXX then they said on the XX/XX/XXXX of every month i said okay land i did but then they email me saying that i sign up to do ot every two weeks i asked them if this was a payday loan they told me no but yet they want me to pay every two weeks or they are going to get a judgement me on i told them if i would of know that i would not of done it there interested is 208 % on a XXXX loan i told them that i cant do that they said i have to and i have no rights that i sign the XXXX sign it and i have to i dont know what to do and now they want me to pay XXXX every two weeks
Experian has incorrect information on who I am, and show fraudulent credit application requests. I have tried to call Experian, but their system does not let you talk to a person! Their automated options do not include the simple idea of reporting and correcting issues. I have tried to use their online system to report, but it says it can not process or honor my request. I 've tried multiple times. 
The entire company seems incompetent. HELP! 
XXXX XXXX XXXX, Oregon
XXXX credit reporting service reduced my credit score by more than XXXX points in XXXX of 2015, dropping it from the high XXXX to the XXXX. My credit report states that I was 90 days late paying a student loan from XXXX University from University Accounting Services LLC ( henceforth " UAS '' ). The monthly payment was XXXX. I used my XXXX XXXX XXXX autopay feature to debit my account to make the payments. I have done so since XXXX without missing a payment. 

For some unknown reason the payments for four month in late 2015 months were either not sent or received. The automatic payments resumed again in XXXX without my having done anything to change their settings. Stranger still, I had a smaller loan from UAS during the same period that was paid the on the exact same day as the larger lone and we never marked delinquent. 

I believe there was a either a systemic IT failure in XXXX XXXX XXXX 's automatic payment system or a similar failure in XXXX 's receipt system. My checking account balance was more than enough to make these payments. 

I was not contacted by XXXX University, XXXX XXXX XXXX, UAS, or XXXX about the delinquent account and had no reason to believe that this account was behind. Indeed, I have not missed a payment on any credit line in the past 16 years. These missing payments from XXXX are a clear deviation from this trend. 

Moreover, as attached, my bank statements for the months in question show clearly that the payments were debited from my account on time and sent to UAS during the months in question. I have attached a screenshot of my credit report as well as bank statements that provide evidence that my account was debited for XXXX each month. 

Neither of the XXXX other major credit reporting agencies noted the account as delinquent. 

The drop in my credit score will significantly reduce my ability to take out a mortgage or loan in the future or rent an apartment. If XXXX is unwilling to make such a change, then I would like to request a refund of all debits from the allegedly defaulted account, which total to several hundred dollars.
I had a bill with XXXX that went to collections. It was on my report for over 7 years and dropped off. Then came back with a newer date. It is through XXXX XXXX c/o
At first it started off with messages being left on my cell phone voicemail, that they were NEVER given permission to call, never left the Mini Miranda, the name of the company and when I tried to call the numbers back, the phone just rang. At first, I assumed it was a scam and ignored. After continued calls and threats left on voicemail, of which I have saved, I was given a number to call back, which I did. At that point, I left at least 2 messages notifying them this was my cell phone and not to call that number and that I  filed bankruptcy and all debt was included. I left the attorney 's information to contact. I also asked for a letter to be mailed regarding the debt as I have never received any notification of the debt. I received nothing that I requested to comply with FDCPA and provide notification of the debt being collected on. This also did not stop the calls. XXXX XXXX continued to call and leave voicemails. Today he called again and I was near my phone and answered the call. He proceeded to tell me that " they '' ( he still did not provide name of agency ) were going to file garnishment against my pay. He also then made the comment that I am filing bankruptcy every 7 years, just spending money and then filing bankruptcy, which is harassment under FDCPA. On NO message left was the Mini Miranda and each contact was a collection effort. When I told him today the credit card was in my bankruptcy, he stated that it didn't matter, that the client had requested to file garnishment against me. I advised he needed to contact my attorney and he stated he knew who I was and would just proceed with his client 's request. He stated that Barclay was not included in my bankruptcy. This was the FIRST time I was notified of who the creditor was. I told him that I knew it was included and he needed to contact attorney. He would not take the attorney information. Instead, he continued to threaten me with garnishment. I told him, if he file anything against me, I would file suit, and he hung up in my face. I will be contacting an attorney to file suit for harassment and several other FDCPA violations. This credit card ( Barclays ' ) was included in my Chapter XXXX bankruptcy and is not owed by me.
XXXX XXXX XXXX is a completely fraudulent Co. ever since the onset of the loan, they have dealt in nothing but shady practices. Then ended up taking the truck that was financed. 

Upon trying to get everything straight with them I was told that if I paid the balance in full, they would remove the trade line from my credit reports. They have not to this date. I have called, and basically got mocked, and laughed at because of their trickery, and immoral business practices.
I am filing a complaint with  XXXX , Equifax, and  XXXX . After multiple attempts through mail, online disputes, and telephone calls I am unable to get unauthorized inquiries off of my credit report. I am sending out a certified letter  one  more time. If this does not work I will be contacting the Attorney General for further assistance. FCRA states that the only permissible purpose for pulling someone 's credit is for his firm offering credit, insurance, employment, or court order. With the different glitches that has been happening with the credit companies I feel that my inquire should be removed from my entire credit report.
On XX/XX/XXXX17 I mailed a request to remove an unauthorized inquiry from my credit report to the company and they have failed to respond. I mailed the inquiry to the address in which they provided to the credit bureau that provided me with the report.