WillisBack/dataset-financial-user-claim huggingface dataset:
I owe a debt to XXXX. I know I owe this debt but right now I am financially strapped and do not want to talk to them. I have talked with them in the past and worked with them. We made a payment plan if I paid so much per month they would credit my account but realistically, they did not. 
So after our agreement was up, I stopped paying them. Between late charges and interest fees, I have paid them three times the amount I owe. 
So, they started calling all my relatives and friends starting late in XX/XX/XXXX. When they called my mother, I called them back and told them to stop but they have not. They have called my daughter out in Wisconsin and my son in Iowa. 
XX/XX/XXXX they began to call my sister on a cell phone she just recently purchased. She told them to stop. 
They call my house a minimum of 6 times a day starting at XXXX in the XXXX and call about every 1.5 hours up to about XXXX XXXX  and use all different numbers.

I understand I owe them money. I will pay it when I can. I plan on writing them a letter to tell them to stop calling and harassing me and my family but please something needs to be done now.
I have filed BK it got discharged XX/XX/2017 I contacted Navient to let them know that it was discharged my attorney contact them too and they keep sending collections letters and keep reporting on my credit
TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX Re : File No. XXXX ATTN : Legal Department I am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database XXXX search. Please also notify the source, who reported the item within 5 days after receiving this dispute, and obtain either verbal or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted. 
I will expect you to notify me the results of your investigation within 5 business days from the completion of your investigation. In addition, I will expect you to complete your investigation within 30 days from the date you receive this dispute or the item being disputed will be unverifiable. 
The items that appear on my credit report as : 1. ACCT. NAME : XXXX XXXX, TX ( XXXX ) ACCT BAL : {$31000.00}. This account has been sold and closed. Please delete. 
2. ACCT NAME : XXXX XXXX XXXX ( XXXX ) ACCT BAL : {$8500.00}. This account was charged off. Please delete. 
3. ACCT. NAME : XXXX XXXX XXXX XXXX ( XXXX ) ACCT BAL : {$2400.00}. This account was charged off. Please delete.
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I sent a police report and letter to Equifax stating my identity had been compromised. I notated the account that needed to be addressed. XXXX XXXX Acct. XXXX. Equifax stated the account would remain on my credit with explanation responded with validation. Equifax violated sections 605, 609, and 611 of the FCRA I asked for verification but I never received no information to validate the reason for keeping fraudulent information on my credit report unverified or the method in which they verified information in which they fail to do so. I am requesting assistance in the removal of inaccurate information on my credit report. Equifax has failed to do due diligence in according to sec 605b and sec 609 of the Fair Credit Reporting Act. I contacted XXXX XXXX  and spoke with a customer service rep. that stated she couldn't locate an account at all. I demand this inaccurate information be removed from my credit report. XXXX XXXX didn't provide information within the 30 days as per FCRA which is a direct violation.
I am filing a complaint on BCA because they are reporting a collection on my credit report with the partial account number XXXX. This collection does not belong to me. My twin sister and me have the same name and obviously the same date of birth. I have disputed this account with the credit bureau and they have not removed it even though my social is not the XXXX reporting.
The debt collector is trying to collect more than what is owed by charging daily interest to the balance owed and reporting it on my credit report. The initial payment has increased over 300 dollars from the original debt amount.
On my credit report, it shows a derogatory public record ( such as a bankruptcy, foreclosure, civil judgement or tax lien ) or collection which is generally riskier to lenders. As a XXXX year old XXXX student, I've never once filed for bankruptcy, foreclosure, civil judgement, etc. This false derogatory record is damaging my credit score which I'm working hard to develop in order to buy a house within the next five years. Please help me delete this false record off my credit report. This most likely was a security breach. 

Thank you.
XXXX Collections representative XXXX contacted my tenant and stated that she was trying to reach me about a debt I owe American Express. She breached my right of privacy under Federal and State Law by sharing with my tenant the outstanding balance owed and that she was a debt collector trying to collect a debt. She instructed my tenant to have me call her at XXXX XXXX XXXX XXXX, ext. XXXX. This occurred on XX/XX/2019.
I am a retired XXXX. I taught for 20 years at a XXXX XXXX XXXX on the rural island of XXXX. Several years ago I did all of the paper work to have my loan forgiven because of my work on XXXX. XXXX XXXX/Navient denied my request because they said I had consolidated my loan several years before which made me ineligible for the Forgiveness Program. This seems rather specious to me. I went back to get my XXXX after 17 years XXXX  at XXXX XXXX XXXX and I continued XXXX on XXXX for 3 years after receiving my degree. I think Navient violated the intention of the Federal XXXX Forgivess program. Thank you for considering my situation.
I have tried mail and phone to verify this account from XX/XX/XXXX to current. XXXX XXXX does not have posted an actual working phone and mail was returned as well. I have disputed this via XXXX only for someone to update that date at said time. How can they be working in fair business fashion if not allowing debit to be verified and corrected? I feel as if this could be a fraudulent company. 

Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX Balance Date XX/XX/XXXX Original Creditor Name XXXX XXXX XXXX XXXX XXXX Account Designator Code INDIVIDUAL_ACCOUNT Date Assigned XX/XX/XXXX Account Number xxxxxx XXXX  Original Amount Owed {$140.00} Creditor Classification Medical or Health Care Amount {$140.00} Last Payment Date Status Date XX/XX/XXXX Date of First Delinquency XX/XX/XXXX Status UNPAID Comments Medical Contact XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX
I have paid my bills my whole life and never missed a payment. I had a misunderstanding with XXXX, which was not my fault, and there is no documentary evidence to support my contention of the following facts. XXXX records all phone calls, so XXXX is in control of all of the documentation necessary to remove this item from my credit report. 

I moved out of California, where I had been a XXXX customer, on XXXX XXXX, 2014. On that date, I was told by the XXXX representative who disconnected me that I was paid in full. I received a bill from XXXX a month later for about {$150.00}. I called and the representative told me that I needed to return my router, which I did. I mailed the router and called to confirm. I received another bill and called and was told again that it was a mistake. Only upon receipt of a collection notice did I finally receive the correct information regarding my bill and I paid it immediately, pleading with the representative who promised me that if I paid it would not impact my credit. I submitted a dispute to XXXX XXXX the dispute confirmation number is pasted above ) after discovering to my horror that I had been misled and lied to. XXXX asked for documentary proof, of which I have none. All I have is my unblemished history of payments of all debts. I applied to refinance my student loans and was denied a week ago because of this. 

This information will obviously be on all credit reports with the largest credit reporting agencies, so if the CFPB could help me dispute across all agencies, it would mean so much to me. I worked so hard and to have a misunderstanding affect me like this is really heartbreaking. 

Please help me. I really hope that you can help me resolve this issue
The Company this complaint is against is conducting a Foreclosure Sale for Bank of America with fraudulent documents that were filed by their Foreclosure Attorney which is listed on your records for the address of XXXX XXXX XXXX, XXXX, NC XXXX. The Note filed on the above date is fraudulent in more ways than one, first off the Lender listed on the Note is fictitious and does not exist as noted by the stamp on the second page of the Note which I have included the details of the stamp in my uploaded documents. This Lender America 's Wholesale Lender was not licensed in the State of North Carolina or any of the other 49 states in the United States of America. The same Lender is also listed on the Deed of Trust which was filed on the same date as noted above and is also fraudulent as the Note and Deed of Trust have to stay together. The most fraudulent part of this fraud is that the Note filed on the above date is not the Note that I signed at the closing on XXXX XXXX, 2002. So a Fraudulent Note nullifies the Deed of Trust and makes this entire Foreclosure sale fraudulent and null and void. I would never would have signed a Note which stated on the second page by a stamp that the Lender was fictitious. And by the Lender being fictitious it is not Legal and therefore could not underwrite or fund a loan. Bank of America 's name does not appear as the Lender on either the Note or the Deed of Trust so they have no legal interest in this property or the right to Foreclosure on it. Any further action on your part regarding this foreclosure sale will be fraud on your part and if you have already sold any other properties for Bank of America or any other Bank with the Lender on the Note and Deed of Trust as America 's Wholesale Lender you could be subject to fraud charges and lawsuits once this matter becomes public knowledge. Please read over all the uploaded documents and you will see that these documents are fraudulent. I already have filed a complaint with another agency and they have determined the uploaded documents are fraudulent and they have removed my name as being not responsible for this Debt.
I called into Transunion multiple times about inquires on my account that I have not initiate and spoke with a rep by the name of XXXX who pretended twice to transfer me to supervisor but kept coming back on the line himself. I disconnected the call and called back and immediately asked for a supervisor ( XXXX XXXX ) who came on the line and proceeded to read me the same script that the previous rep did stating that they are not obligate to verify information before it is placed on the credit file and that these are considered a statement of fact.
My Visa credit card Account # XXXX. US Bank advertised {$60.00} annual fee for a credit card with a benefit of second night free on any reward. They still charge the fee and refuse to return it, but discontinued the benefit.
I am requesting that State Farm Bank remove and delete this fraudulent account because used my personal information to open this account without my permission. My rights have been violated by State Farm Bank. Please remove this fraudulent account immediately from my XXXX  credit report.
In XXXX XXXX, I was induced to open a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX XXXX XXXX points in exchange for opening a CitiGold account, completing debit card purchase of {$1000.00} using CitiBank Debit Card and scheduling XXXX bill payments from the newly opened account. 

After enrolling with the promotion code, I contacted Citi and received confirmation that the offer was attached to my account. 

On XXXX XXXX, XXXX, I received another confirmation from XXXX Borrows that I have successfully completed all of the requirements for the bonus. 

It has been long past the date that Citi should have transferred the bonus and I still have not received anything.
There was an inquiry on XX/XX/XXXX from CBNA/BBY and they have been continuously doing this every month. Currently, my wife and I are in the process of buying a home and obviously any inquires can hurt our position. We did not ask for an increase or a new credit card from them and do n't know why they would pull credit on XX/XX/XXXX and do it every month.
My  XX/XX/XXXX  mortgage payment was returned. Ditech has not modified my mortgage and l have paid my taxes each year and home owners insurance. they tried to pay my taxes and the money was returned by the county as an overpayment. several years ago, they started to t escrow my account and l explained to them that my mortgage was never modified but they issist l paid my taxes late which is false.,., we accually paid on the same due date. they have continued to bill me for escrow amounts while i have paid my mortgage and taxes on time. Now they want to stop accepting my mortgage payments and forclose on my home by not accepting and cashing and returning my checks. My taxes are paid in full for  XXXX  and my mortgage was current until they returned my May ck in the amount of {$1900.00}. They ruined my credit by posting escrow fees as late payments on my credit reports which makes me unable to refinance at this time. i am   XXXX   XXXX   XXXX    and work 2 hrs a day for a   XXXX   XXXX  . i pay my mortgage and taxes on time. and now they are trying to foreclose or get me to pay escrow amounts per month in addition to my monthly mortgage. my income varies per month and escrow fees are too much per month. i have explained this to them and they are now trying this to get me to pay up. i will have my tax dollars this l fall when they are due and will pay them on time as usuall. Not sure how to proceed since l just sent my  XXXX  Mortgage payment yesterday. .or if i should re submit my  XXXX  mortgage check that they returned to avoid forcloseure.In addition the dollar amounts they are trying to collect in escrow are incorrect ... .they are not including tax payments or insurance payments made over the tears. my account need to be audited.
XXXX companies reporting same information on credit report, entered into a payment agreement with XXXX Ca. on XXXX/XXXX/2016. They are accepting my credit card payments directly to them, therefor discovery financial has no right to report same information.
In XX/XX/2018 I submitted my IBR recertification. On XX/XX/2018 I received my results for my new IBR payments. I submitted a request to recalculate the amount shortly thereafter, requesting that the PAYE repayment plan be applied to my student loans. On XX/XX/2018, I was informed that four of my loans will have an IBR repayment amount of {$140.00}, while my remaining 18 loans were put on STANDARD repayment. I never requested my payments to be on standard repayment and I absolutely can not afford Standard repayment, as shown in my IBR applications. My upcoming bill for the month of XXXX is over {$4000.00} which would obliterate my ability to pay my bills and feed my children. 

This is the second time I've had the utilize the CFPB to get XXXX XXXX to do it's job and apply all of my loans to a consistent PAYE repayment plan. I shouldn't have to invest literally hours of my time fighting with XXXX, resubmitting documents, for them to do their jobs.
I am writing this for my sister. She is a senior citizen and on a limited income-Social Security. She had just had XXXX XXXX XXXX and was on pain medicine when she made this call. She didn't realize all of this. She was not thinking and very gullable, They say not to sign anything when you have XXXX for this reason. She thought it was a credit card she was signing up for not a loan at 293 % interest. She never signed for this online or by mail. She has tried to stop the loan and auto payments XXXX a month to no avail. The date started XX/XX/2017. Original amount XXXX payoff amount XXXX. On their website, which I signed up online to look at this agreement. It says she has signed by clicking to allow electronic consent, which she did not. How could she read and consent if she was not in person, online or by mail? She was on the phone. She did not receive this in writing. They put it out on their website but did not explain this to her. She doesn't do online, What can be done to get her money back? They have scammed her and forged her signature.
On late XX/XX/2018, I received a letter, dated XX/XX/2018, from XXXX XXXX XXXX XXXX trying to collect for XXXX XXXX  XXXX. It gave me 30 days to dispute this. I called them and obtained their fax number. I issued a response on XX/XX/2018 which was faxed to them on the same day with fax confirmation. In my written response, I dispute their charges and asked that they stop calling, and they should respond in writing. Collection company frequently taped the phone conversation, but do not release the tape to the customer. As a rule, I requested all phone call be stopped, and all communication be in writing. Since my fax, this collection agency continues to call, the last call being today, XX/XX/2018 about XXXX. They also reported this disputed debt to Credit Bureau, both of which, I understand is not permitted by laws.
Loan processor is blocking my ability to pay them thru ACH unless I forfeit control of my bank account to them thru ACH. ACH can be initiated by the customer or lender. 
Since the loan processor has already made many errors on my loan account, I am not about to hand over control of ACH debits to them. I want to maintain control of ACH amounts & due dates. 

The loan processor messed up the amount and due date for my student loan. I still have not gotten them to agree that they made errors, and in the mean time they are claiming I am 15 days overdue & they are going to report me to a credit bureau. 

So I am forced to pay even before they fix their errors. AND they REFUSE to give me their bank routing # s so I can send payment electronically. They INSIST on them controlling the ACH withdrawls. Since they have already screwed up the amount, the due date and refuse to acknowledge their mistake, I am NOT about to hand over control of my bank account to them! I can send ACH payments while controlling the amount and date on my end, NOT them controlling when & how much they take. 
I want them to give me the relevant info so I can send ACH payment on my terms. I do NOT want to hand over control to them so they can take what they want & when they want. 

This should be a blatantly obvious right of customers to control what amount & when they send out of their own bank account. Loan processor refuses to give me that option unless I hand over all control of ACH to them!
REGARDING A CLOSED DEBIT ACCOUNT WITH WELLS FARGO. XXXX, 2014, MADE AN ONLINE PURCHASE WITH XXXX XXXX. TICKET WAS NEVER USED. XXXX, 2015, XXXX AGREED TO REFUND MY PURCHASE. THEY SAID THE CREDIT HAD TO GO BACK TO THE ORIGINAL DEBIT/CREDIT ACCOUNT. EXPLAINED TO XXXX ... MY ACCOUNT WAS CLOSED. IT WAS SUGGESTED TO CALL WELLS FARGO AND EXPLAIN TO THEM A CREDIT WAS COMING ... AND, TO ISSUE A PAPER CHECK TO ME UPON RECEIPT. WFB, AGREED. CONTACTED XXXX TO TELL THEM GO AHEAD AND PROCESS THE CREDIT TO WFB BASED ON THE COMMITMENT GIVEN TO ME BY WFB. HOWEVER, WHEN WFB RECEIVED THE CREDIT ... THEY DIVERTED THE FUNDS TO MY CLOSED ACCOUNT STATING I HAD A NEGATIVE BALANCE. BELIEVE WFB ERRED AGAINST THEIR POLICY. THE PRESIDENT OF THEIR DEBIT/ATM DIVISION INFORMED ME ... IF THE ACCOUNT HAS BEEN CLOSED FOR 30 DAYS OR MORE ... THE CREDIT IS RETURNED TO THE MERCHANT. BECAUSE WFB WAS ALERTED TO THIS INCOMING CREDIT ... THEY SAW THE OPPORTUNITY TO DIVERT THE FUNDS. THE CREDIT WAS NOT INTENDED TO BE POSTED TO MY CLOSED ACCOUNT. WFB HAD NO RIGHT TO TAKE THESE FUNDS. ONCE AN ACCOUNT IS CLOSED ... TRANSACTIONS CA N'T BE POSTED AGAINST THE ACCOUNT. WFB MADE A COMMITMENT TO ME HOW THE INCOMING CREDIT WOULD BE HANDLED ... THEY IGNORED THIS COMMITMENT. I KNOW FOR A FACT IF I HAD N'T ALERTED WFB TO THE INCOMING CREDIT ... IT WOULD HAVE BEEN RETURNED BY THEIR SYSTEM TO XXXX AS AN UNIDENTIFIED CREDIT. ADDITIONALLY, VISA, INTERNATIONAL INFORMED ME XXXX HAS THE ABILITY TO REVERSE THE CREDIT TRANSACTION. MORE DOCUMENTATION IS AVAILABLE. THANK YOU FOR YOUR TIME. PLEASE EXCUSE THE UPPER CASE LETTERS ... HAVING A PROBLEM WITH THE KEYBOARD.
I have  XXXX  tax liens listed on each of my credit reports, dated  XXXX ,  XXXX ,  XXXX . I do n't dispute that they are mine. However, they are all paid/released, and marked as such in their status. Per the credit bureau guidelines, as they are paid/released, at a minimum the lien from  XXXX  should be taken off my reports, if not all of them. But they still remain on my reports.     I 've tried to dispute them, but as they were valid liens, the dispute process results in the information being confirmed. It 's impossible to point out to the bureaus that a mistake like this exists. I 've bought $  XXXX  of their products to do so, and have gotten no where in actually contacting a human to fix this error.     Please assist, thank you. I can share a screen shot from a  XXXX  report that shows this information. That was another {$60.00} purchase which still did not give me direct access to a human to correct this error.
I filed for bankruptcy 12 years ago that was discharge and XXXX/ XXXX XXXX XXXX transferred the loan to RCS ( Residential Credit Service ) and they are now reporting on my credit report and calling for payment.
I acquired a student loan for XXXX XXXX XXXX between XXXX. This loan " required a cosigner '' to which I was able to provide ( a boyfriends father ). The loan was set up on a 15yr repayment at a substantially higher interest rate than that of my other student loans ( it was variable so it did change but never lower than the XXXX 6 % ) for a student loan with a minimum monthly payment of {$50.00}. The loan was paid off but in XX/XX/XXXX I enlisted in the military and was told that my loan did not qualify for the XXXX reduced interest rate because it was not a Federally funded loan. However, my credit card and XXXX other loan with XXXX was approved for the reduced interest rate. I believe that it was not done my policy and I should be compensated for the incorrectly charged interest on this loan. Also I was told on several occasions that I was not eligible to release my cosigner even though I has a sufficient credit rating.
I 've disputed the credit inquiries on my report 3 times with Equifax and every time they just come back and say " inquiries are accurate '' without investigating at all.