WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX has been non-compliant with removing the unverified account GM FINANCIAL XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that GM FINANCIAL was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX   did not send them all of the verifying evidence to confirm each account is unverified.
Ocwen Loan Servicing , LLC continues to send mortgage account statements on property that has been foreclosed on ( XXXX XXXX XXXX XXXX, XXXX, NC XXXX / XXXX County, NC XXXX ID XXXX ). 

Deed filed XXXX County, NC XXXX of Deeds Book XXXX, Page XXXX of where the XXXX XXXX XXXX XXXX , XXXX foreclosed on home and grantee is XXXX XXXX, XXXX for {$3500.00} recorded XXXX XXXX, 2012. 

Then deed filed XXXX County, NC XXXX of Deeds Book XXXX, Page XXXX XXXX XXXX XXXX, XXXX to XXXX XXXX XXXX XXXX. 

Then deed filed XXXX County, NC XXXX of Deeds Book XXXX, Page XXXX XXXX, XXXX XXXX, XXXX XXXX to Grantee XXXX XXXX. 

Ocwen Loan Servicing has been made aware of the sale by myself sending them deed book and pages of the sold home.
On an XXXX flight, the stewardess passed out pamphlets for an XXXX credit card. I took the application and asked about an annual fee. She said there was no annual fee the first year. The first time I used the card they billed me a {$59.00} annual fee. I called " Bank Of America '' and explained I was told the first year the fee was to be waived. Bank of America said they were " sorry for the misunderstanding '' but the fee stays.
I was recruited for my loan through the recruitment officer who came to the school to recruit me to go when I was XXXX years old and did not fully describe the details to the loan to my mother XXXX XXXX and I. Later I was talked into deferments ( after harassing phone calls threatening my mom they were going to take everything she had ) then I was not fully explained that that would incur interest. Also when the company was formerly known as XXXX XXXX I would get phone calls from my mother 's sobbing because their employees of customer service would call my mother and threatened to take her house and threatened her financial standings and so I would then get talked into going into deferment and be talked into that over and over until my interest is now at 10 % or more and i incurred around {$10000.00} in interest as well and can not work in with any of the " education '' from this college either. The credits do n't transfer. This loan is HUGE so i ca n't get any other student either and i also was not made aware that there was other programs that it was possible i could 've qualified for that would 've helped me with my loan so instead i have now incurred quite a bit of Interest I also was not able to finish my degree fully due to severe allergic reaction at the college after XXXX XXXX threatened insubordination. This is after being recruited and now XXXX XXXX XXXX XXXXXXXX Minnesota is closed. I am looking into further action with a lawyer at this point if action on this isnt satisfactory.
I purchased a XXXX phone from best-buy using my Best-Buy credit card issued by CITI bank. In 2 months the phone stopped working and I contacted the manufacturer about it. The manufacturer was very hard to reach and to understand, probably the worst customer service I have ever seen in my entire life. I sent the phone to them and after 1 month they send the phone back saying that they can not repair with a hand written note saying that it has water in it so can not be fixed. 
I contacted the manufacturer but they did not seem to understand my situation. I have never used the phone in water or in the bathroom. Later they stated that because I live in Minnesota where the temperature is extremely cold the phone got damaged due to that. I stated that that's the worst excuse I have ever heard but they denied to fix it. 
I filed a dispute with CITI bank stating that the quality of the merchandise was not as expected but they denied the claim saying that I have receive the item. I disputed for the quality of the item not about receiving or not receiving it. 

Both the XXXX and CITI Bank are very rude and not ready to help. Please sort this out for me and a refund. 
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This debt does not belong to me and the company does not have a license to collect debt or operate as a collection agency XXXX XXXX ... .account # XXXX ... XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ... .social security:XXXX.. 
Collection agency : Phoenix financial service ... XXXX
I am writing because today XXXX of my parents received upsetting voicemails on their phones directed at me. The person on the line personally identified herself, then implied that she was an official legal representative communicating a message regarding district court proceedings against me in our county of residence. She stated that there were " various official complaints '' against me and that I could still contact the " Plaintiff '' at a provided number. 
My parents and I are well informed regarding legal process, so it was immediately clear that it is not time to call the lawyer. After matching the number from the voicemails to my credit report, I found that this was a call from Enhanced Recovery Collections XXXX., which was never disclosed in the communication. 
I am in the process of repaying debts accrued while injured and unable to work. I can not pay everything at once, however, and using indirect, deceptive practices such as this is not helping me to understand my debt or how to repay it. Impersonating the local government and making slanderous statements about numerous complaints against me in the court is very upsetting to both me and my family.
XXXX ( as XXXX ) is committing fraud on behalf of Gaba Law Corporation in their serving process. According to their clients, I was served In XXXX 2014 with a lawsuits from XXXX by a person named " XXXX XXXX '' Upon calling and searching for a way to contact XXXX ( as XXXX ), I have asked for the full name of this person who supposedly served me which leads to a circle of the attorney and XXXX ( as XXXX XXXX ) telling me to call the other party about the server 's full name. 

I am at my wits end with this matter, due to the fraudulent service of this company 's employee leading to a default Judgement against in a that I was n't able to defend myself from. The fraudulent service in question was a substitute service given to a " XXXX XXXX '' who does not exist. 

The company 's name is listed on the documents, however they wo n't give me the person 's full name. Their client Gaba Law wo n't give me the person 's name and tells me to refer to the sheet, which is illegible. XXXX XXXX XXXX is acting fraudulently and should be found liable for violation of the FDCPA for falsifying information on legal documents in order to collect a judgement. Even the phone number that was listed on the legal documents was false.
US Bank, and by extension, XXXX ( their bill pay system ) have screwed me. They have taken several payments from my account without the funds in my account. I have attempted to deal with them directly and I keep getting told how it was my fault and how I had to do all the work to get the money they took from me back. And now, a month later, I 'm finding out from my auto loan company that US Bank has received funds back from them, and I have n't received all of those back into my account. So, now, it certainly appears like they 're keeping the money that they took from me. I no longer use the account because I 'm not willing to be taken advantage of again. US Bank and XXXX are horrible, they blame the consumer, and then they keep your money. They say that they contact you, they say that they send letters to you, but then you never get them. They leave pre-scripted phone messages, and they are not very helpful in general. Of course, that is just my opinion. But, also my opinion means that they wo n't ever see a dime of mine again. And, if needed, I will go to court to fight for that. Because they are wrong in this situation and I will shout it from the rooftops, if necessary. I do not understand how a bank this size ca n't take responsibility for a fairly minor issue and just take ownership and cover the costs of their mistake. I deserve the {$1200.00} or so that they attempted to take from me and then they charge me for it.
-Purchased a washing & dryer from Sears in XXXX, XXXX -Had multiple problems with deliveries -Once the items delivered the washing machine began to malfunction -I paid every month on time & paid off in full in XXXX XXXX -I was NEVER late and paid on time every month prior to the payoff -The washer has had 17 repair appointments -The washer is currently not working -The washer is still under warranty -Sears is reporting me paying late ONE time in XXXX XXXX -I have contacted Sears executive office three different times -I have was treated with disrespect and Sears has refused to correct inaccurate report -I owe NO money -I do not have a working washing machine -The inaccurate report is the ONLY late payment reporting on my credit report -I was also insulted by the Sears rep with a negative racial stereotype
I was called and harrassed about my student loans. I wad not given alternative repayment options. My loans were XXXX then placed with Navient.
As with File no 2016 - CFPB XXXX Navy Federal Credit Union froze all my accounts and limited all access to accounts for any past due payments as late as 5 days. My question is what penalty is being paid to those who had accounts froze. I read those that were sent debt collection letters are eligible for up to {$1000.00} however, what about us that have accounts illegal froze. Are we at least able to individual sue them for violations?
I 'm receiving calls from Professional Financial Services at least XXXX15 times a week. This tactics is unacceptable and causing additional XXXX.
Creditor ( XXXX/XXXX ) continues to report past due payment although payments are managed by XXXX at a fixed monthly amount that creditor agreed to at initial contract. Previous dispute was not resolved and incorrect information has not been removed. It is not accurate, fair or ethical to claim a past due amount when that was n't the agreed upon monthly payment.
I went to the social security site to advise of my change in address. The site would not accept my change due to loans and a mortgage which they say is on my account. I do not have loans or a mortgage. I could not get a credit report because they say I have loans and a mortgage which I do not have. I sent a request form to a credit report company requesting my report ; they say it will be weeks before I receive it. I do n't know if someone made a mistake or if someone is using my social security number.
I leased a new vehicle XX/XX/XXXX. I still to this day did not get copies of original documents I signed. I wanted a 3 ( three ) year lease. I was given a 4 ( four ) year lease. Plus there are extra charges on the lease I dont agree with,
I have know idea where this came from. Some one must've stolen my identity. At the time I was living with my sister I don't know who is impersonating me. I think maybe she knows something about this. I will press full. Charges. This is not my debt. It for XXXX $ at an XXXX XXXX. Original. Creditor is 12 XXXX XXXX. On XX/XX/2017.
XXXX XXXX and XXXX XXXX who I believe to be the same person have called my place of employment attempting to collect a debt for a pay day loan. They call about every XXXX minutes. Calls started on XX/XX/XXXX. I have informed them that i did not receive a payday loan and yet they continue to call and harass me and my coworkers. After reviewing my bank statements from XX/XX/XXXX, I did not receive a paydayloan. it is possible that I applied for one.
My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX, Illinois XXXX and I was approved for a modification in the amount of {$1600.00} per month that I could not afford now. I have a change of circumstance and has been approved to opt out for the reason of medical problems XXXX that I have been diagnosed by my medical doctor. I have been back and forth to the hospital everyday undergoing XXXX. My wife is no longer living with me and my only income is {$760.00} per month XXXX. I was informed by my relationship manager that my approval to opt out of the previous mod was approved. I contacted Bank of America relationship manager and was not able to speak with him. Spoke with another relationship manager and was told I was declined for the modification that I opt out of that was told to me I was approved to do and start another modification process and would take ten days. My loan was originated FHA that I was approved to opt out. When I contacted the office on XXXX XXXX a relationship manager said my contact was not available and told me I was going to loose my home if I did not short sale or pay the entire balance owed on the home. She did not assist me on applying for a new modification just very rude. Did not care that the lender was not going to get any money for mortgage payments at all. I informed her I was going to file a consumer complaint again the lender for failing to assist me in saving my home, She said go right ahead. I informed her that I have to go back to court on XXXX XXXX and she said at that time I would be put out of my home. I was told that it would take 10 days for my modification for Change in Circumstances to be review and I informed her my wife has walked out and left me as well. My only income will be to pay the mortgage. She did not care. Very Rude Lady. Please assist
Creditor Information AD ASTRA RECOVERY SERVIC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX XXXX XXXX XXXX The above company ( s ) has a collection on my credit reports and I have disputed it. It has been over XXXX days and the credit bureaus have not given me a response. This is not my account and the account was opened fraudulently.
On XXXX XXXX, 2017, I became aware of a security breach at the credit reporting company Equifax ; I utilized their website to find out if I was among the affected victims and I was informed by Equifax that my personal information was stolen in the security breach. This breach of Equifax 's security has opened me to possible future identity theft. I have had to take measures to protect myself against any possible identity theft stemming from this security breach. I have also since learned that this breach was discovered by the company Equifax on XXXX XXXX, 2017, which means my personal information has been compromised for 10 days without my knowledge.
I received a letter from Paul Michael Marketing without ever having received a bill from XXXX XXXX XXXX, which had forwarded the collection agency my information. I called Paul Michael Marketing and was unable to get through to them after many attempts. Several months later, I received a bill in the mail from a medical lab for {$14.00}, which I paid immediately. The bill had been lost in the mail and I had not been contacted to pay in any other way. This has tarnished my credit score at no fault of my own.
Navient told me at XXXX point after i filed my bankruptcy that my balance was at a zero balance and discharged in bankruptcy and now they put it all back on and put it back into charge off this was a 2007 private loan and my federal loans have been approved for XXXX discharge and are now at a zero balance but the private loans will not approve me or let it go with my bankruptcy which i had to file XXXX and still no relief please help me
Trans Union had a glitch in their system that violated the rights of their consumers under Section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL be removed : 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 ; XXXX XXXX/XXXX/XXXX.
Back in XXXX 2016 I purchased a new vehicle ( XXXX XXXX ) from XXXX XXXX in XXXX FL. I do n't purchase vehicles on a regular basis so I, like most other consumers are not aware of the car business. The dealer ENCOURAGED me to take a savings in the form of a lease. However, they never told me that I could not sell the vehicle, trade the vehicle or refinance the vehicle when the vehicle is leased. I was under the impression that I had the same flexibility as if the vehicle was financed via traditional means. 
I was greatly surprised when I attempted to refinance my truck only to be told I could not because it was a lease. I was also surprised when I attempted to trade my truck and was told I could not unless I paid the dealer {$13000.00} to take the truck. I think car dealerships should be required to inform customers of these facts instead of leading customers to believe something else just so they ( dealerships ) can meet a sales quota. There should be some law to protect the consumers from dealer price gouging. 
I would like to have my truck financed traditionally so I will have the flexibility to sell, trade, or refinance if I so desire.
On XXXX XXXX, 2017, I became aware that several credit inquiries had been made on my credit report. These inquiries were the result of identity theft, in which someone used my personal identifying information to apply for and or obtain credit cards and make fraudulent purchases. One of the credit cards applied for was approved and was issued by Chase Bank. I contacted Chase and let them know of the fraud. I then followed up with a request for the information used in opening the account, including the IP address. I included the name of the investigator working on the case and a notarized Affidavit of Fraud.This was mailed on X/XX/17. I did not receive the information that I am entitled to under the Fair Credit Reporting Act. I also faxed a request to the Chase Correspondence Team on XXXX/XXXX/17 and have not received the information. As I have stated, I am entitled to this information by law. I would like to find out who has done this and the information I requested may help me to do so.
I have obtained my XXXX credit report on line. There are items from U.S. Bankruptcy Court listed on my credit report. Per FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not Validate the information with the original Creditor, they must remove said information from the consumer file.
The Bankruptcy Courts have also reviewed the Public record section and have mailed me a return letter which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate or confirm public records. It is the credit reporting agencies and other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U.S Court system due to the Fair Credit Agency Privacy Law.
My inquiry to the U.S. Bankruptcy Court confirms your Credit Bureau has never validated these public record entries on my credit report, neither will they ever be by them. They further stated they are not liable or responsible for any misuse or incorrect public records, nor the distribution of said information, public records may and often times are reported by third party sources unaware to the consumer and in most cases, incorrectly.
Considering this information indicates a Fair Credit Reporting Act Violation, I need all bankruptcy information currently showing under my name and or my social security number to be Permanently DELETED from my credit report immediately.
The XXXX Credit Bureau needs to provide me with all documentation associated with these Public Records Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per federal Law, you have exactly 30 days to complete this as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ).
Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical validation of the original signed consumer contract and or judgements all accounts and public information that you post on anyones credit report. Otherwise anyone paying for your services could fax, mail or email in fraudulent and erroneous account information. As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I will be filing a complaint to the Federal Trade Commission, Consumer Financial Protection Bureau and Better Business Bureau. XXXX XXXX XXXX
On XXXX XXXX  2018, I called Navient Student Loan Company about receiving the XXXX  form for interest paid on a student loan. I am the cosigner paying on the loan because this was messing up my credit score. Navient will not send the XXXX form to me to report on my income taxes. Instead they are sending it to the main signer. This is a violation of consumer and tax law. Many cosigners who are paying on student loans will be dealing with the same problem. Please do something about this.

Thank you.
I received a letter in XXXX 2015 stating my loan was being sold to another mortgage company. I called because I did not know what was going on. I was told the situation did not affect me in any way and that I did not have to worry about payments since it was autodrafted from my account. 
Today, I pulled my credit score and saw that I was 60 days late. Freedom Mortgage refuses to remove the late payment even though I told them I would pay the back payments. They refuse to remove it because they said they have tried to contact me via phone and mail. I have not received either. 
Companies buy and sell mortgages without thinking how it will affect the homeowner. I should not be penalized. I did call when I received the letter. This situation is just wrong.