WillisBack/dataset-financial-user-claim huggingface dataset:
I received a letter from XXXX, agent for Jefferson Systems Collections LLC on XXXX XXXX, XXXX. I subsequently sent XXXX requests for debt verification, the first denied as being received by XXXX and the second mailed Express Mail USPS and delivered on on XXXX and available for pickup ever since this date. Please make note of letter as the is address I mailed validation letter to as it is the address outlined in header. I addition, I also contacted the State of MD to further determine if XXXX was a license collection agency in the state and confirmed that is was not a licensed collector in MD. Convergence, who I contacted via USPS and phone is. However, they directed me to XXXX for follow-up surrounding the status of the debt verification and why they reported a debt that had been requested to be validated. XXXX 's agent who is a licensed debt collector in MD would not assist me or my daughter and frankly gave us the run around. Upon reaching, XXXX via phone, I was instructed that they were a debt collector and they did not have any information surrounding the credit reporting done by them and back dated to XXXX. I receive alerts due to experiencing identity theft and was alerted on XXXX/XXXX/XXXX that a " new '' entry was added to my credit report. As a consumer, I have the right to request validation of a debt within 30 days of receiving notice of supposed obligation, Jefferson and its agent XXXX, denied me my rights and subsequently, I have sent a cease and desist letter, a request for full verification of the alleged debt. Instead, Jefferson and its agent resorted in shady tactics and denied me my right within the first 30 days or receiving a collection notice validation of alleged debt. I have be adversely impacted and suffered.
I had a Rooms To Go Synchrony Bank credit card that I obtained around 5-6 years ago. I have made two big purchases and paid off the items per terms. I went in yesterday to make another large purchase. The sales-rep asked for my license to ensure I still had an account. I said oh, I am certain I do. I log in to the website to pay a different card all the time and I see my Rooms To Go Synchrony Bank credit card still. It says I have an available limit of XXXX. She said, oh, we still need to check because they close them out all the time but do n't notify you or update their system. I thought to myself ... no way! That would be ridiculous. Well, sure enough. That 's what happened. They closed out the card without notifying me. I called to see if what the rep said was correct and Synchrony Bank verified that the card had been closed last year in XXXX. I was not notified and she said this was their normal practice. If the card is not used for a period of time, they simply close it out without any warning. I was very upset because this can have an impact on my credit score. It was one of my long standing credit limits and I did nothing for it to be closed. No one asked me if they could close it, notified me that they were or had my authorization to do so. I asked the rep to re-open the card. She stated she could not but I could simply reapply. Well, re-qualifying is n't a problem but I do not like the fact they will have to re-pull my credit ( causing a new inquiry ) and it will appear as a new credit line ( effecting my credit score ). I am very unhappy with the way this was handled. I chose their location to make my purchase because I already have a card with them -- and this is how they repay me? Very dissatisfied. I want my old account re-opened so I can make this purchase. If they can not, I will have to spend XXXX elsewhere.
In XX/XX/XXXX, I was checking on repayment dates for my loans. From the information provided at that time, repayment wasn't due to start until XX/XX/XXXX. 

On XX/XX/XXXX, through XXXX ( an app I connected to Navient ), I saw there was a payment coming due on XX/XX/XXXX. I went to call Navient to see if I could have the due date pushed to XX/XX/XXXX,  as I was not planning on starting repayments this early and wouldn't have quite enough to cover the loan payment and my other obligations. 

I called Navient on XX/XX/XXXX, and after verifying got sent to the collections department as there was a past due balance on my account. The agent refused to answer any questions or provide any assistance until the past due was paid. 

I checked my email, and the first notice of my loans going into repayment was on XX/XX/XXXX with a due date of XX/XX/XXXX, the next day. 

After seeing the emails, I contacted Navient via the email provided on their XXXX account asking why there was only a 24 hour notice of repayment starting. I did not receive a response, but I was sent another monthly statement dated XX/XX/XXXX. 

1 business day is not sufficient notice when loans are coming out of a deferment period.
I XXXX XXXX am disputing a XXXX XXXX XXXX debt of {$440.00} from resident XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. This dispute has dropped my credit score by 26 points. I have contacted XXXX  and XXXX  credit bureaus to have them add a fraud alert and credit freezes on both until I can find out what has happened or is happening. As of XX/XX/2019, I have an XXXX  score of XXXX, XXXX score of XXXX, but an XXXX  score of XXXX which is down 25 points which is absurd. XXXX  and XXXX  told me that although I have a freeze on my account, that wont stop the problem of XXXX XXXX XXXX ( ERC, a debt collection company ) from placing this back on my credit. 
Either a new tenant used my cable fraudulently or I was taken advantage of because XXXX XXXX knew that I would not see any payment notices because of me moving. I notified XXXX XXXX XXXX ( ERC ) that this is not my doing and this account is fraudulent. I was told by ERC customer service agent who took my call and gave me a reference # XXXX that XXXX XXXX stated that the customer moved out of town. I had a forwarding address for XXXX  State and never received a final bill notice of {$440.00}. Therefore, I think I was taken advantage of or either this is fraudulent. 

I am currently reaching out to The Attorney General of XXXX, The Federal Trade Commission, The Federal Communication Commission ( FCC ), The Consumer Financial Protection Bureau, and The Consumer Fraud Bureau of the Attorney General of XXXX XXXX  ( Which is XXXX XXXX Headquarters ) to resolve this debt benefit and negligence of XXXX XXXX, an investigation of this dispute from ERC, and to avoid any future credit score drops.
On   XXXX   XXXX   XXXX     I commenced to cash my monthly  XXXX  check at Bank of America that was payable by Bank of America.   
I am not a member of Bank of American a  nd I notified the teller each month that I have no desire to open an account and that I was aware of the  XXXX  dollar non-customer charge fee.     The bank teller immediately told me that she could not cash my check, that it was no good and to return it to sender. The Bank manager reiterated what the teller had said and also stated that for confidential reasons he could not discuss the matter and repudiated policies associated with  XXXX  and human/customer rights abuse.     In the very same hour, I later incountered the same situation at another Bank o f American branch. In my desperation walked in another Bank of American branch for the third time, and my check was checked with no he sitation. This particula r Bank of American was in a different loca le as the other  XXXX , wish were close in proximity.     It is to my belief that since I was not an account holder I was denied the privilege to continue to cash my  XXXX  check at those  XXXX  branches.     I have each manager 's business card. Please investigate this matter.     Thank you in advance
I have paid my loans by sending in checks. These have been cashed by  Navient  and cleared my bank account. However, Navient never actually applied them to my account, thus making my account past due for months. I finally checked my old student email to find these notifications from them. I called and spoke with  two  different people. They said they could help, tried making me go into forebearance ; but that is not what needed to happen : they needed to reconcile my account with the funds I had paid.   I reiterated that multiple times, sent them my bank account print out via postal mail ( they would not accept electronic ), and they STILL put me into forebearanxe WITHOUT MY REQUEST.   I have paid my bills, and yet they reported me past due on my credit. This is unprofessional and unacceptable.
The Direct Express web site wo n't work and no one will answer the phone number they yell me to call. I do not have any other choice about where my Social Security payments are made.
I Leased an   XXXX   XXXX   in   XXXX   and as per  XXXX  tax laws paid the tax upfront for the full term of the lease at the beginning of the lease at the  XXXX  tax rate. Move forward 2.3 years. I moved to   XXXX   XXXX    and informed Infiniti Finance of my move and new address. Within days my monthly payment went up by nearly {$30.00}. When i called them, they said it was sales tax for   XXXX   XXXX   which had to be paid in accordance with   XXXX   XXXX   taxation law for the remainder of the lease, i informed them that i had paid the tax upfront in  XXXX  at the beginning of the lease so why am i paying it again? They were very aggressive in outlining that i HAD to pay more tax in   XXXX   XXXX  . I then went to the   XXXX   XXXX     XXXX   to register the car and met a   XXXX    tax assessor as part of the   XXXX   XXXX   process of registration, i gave him all my details outlining the car was a lease taken out in  XXXX , he then gave me a tax-exempt certificate stating i had already paid tax on the vehicle in full in   XXXX   and that no tax was due in   XXXX   XXXX  . I then called Infiniti Finance and explained what the tax assessor in   XXXX   XXXX   had said but i dont think the lady believed me and again gave me the same response that i HAD to pay the tax in accordance with   XXXX   XXXX   tax law and that the   XXXX   XXXX   tax assessor at the  XXXX  did not know what he is talking about. I then sent a scanned copy of the tax-exempt certificate to Infiniti Finance. No one called me or emailed me. I then noticed when I logged into my account that my payment had been adjusted back to where it was before I moved to   XXXX   XXXX  . When I called Infiniti they said that I did not have to pay tax in   XXXX   XXXX   because it was paid in  XXXX  and that I was exempt as I had said. Infiniti Financial are a huge finance company, my worry is that they do not understand the tax laws between different states in the USA. They charge not knowing the requirements and the consumer unknowingly is paying a tax to Infiniti Finance twice that is not required and I also suspect that they will never see those tax dollars again. I certainly doubt that Infiniti will refund the money at their own will.
Tower Loans, in XXXX XXXX, Louisiana continues to call my cell phone 5 times or more a day and leave threatening messages for me to pay a loan payment on a loan that I did not take out. They are coming to my house every single day, leaving letters in my husband 's name with my name hand written on them threatening to add me to a law suit that the loan is only in his name. We are currently unemployed I have nicely explained our situation to them and told them we could pay the a portion of the bill monthly but that was it and we have continued to do that and they continue to harass me on a daily basis.
XXXX XXXX sold our loan to Fay Servicing LLC. Our first payment to them was for XX/XX/2019. I paid the exact amount {$520.00}. It cleared our bank XX/XX/19. My husband was notified last week by our acct manger that they had not received payment and was asked if hed like to make another. We called the bank and had them fax Fay a copy of the front and back of the check. I also emailed the bank statement showing were it cleared. He told us that the bank statement should be all we need and he would be in touch with us. We havent heard anything in the status. Yesterday ( XX/XX/19 ) I went through their website to pay because I was afraid to pay through bank again. They are showing we owe for XX/XX/XXXX AND XX/XX/XXXX. I called and had the bank fax them ANOTHER copy of the cleared check from XX/XX/XXXX at the acct managers attn. No one will answer or return our phone calls. I logged on this morning to see our balance and they are saying we owe for XX/XX/XXXX. So, they posted the payment to XX/XX/XXXX. However, it has not cleared the bank yet. I have saved the emails, I have the bank statement and copy of the XX/XX/XXXX check, and the copy of the confirmation where I paid yesterday along with the paper bill with a 2 month balance owed. Im afraid these people are going to ruin our credit. I spoke with an attorney yesterday and her advice was to refinance. Well, weve thought about that. However, when XXXX XXXX sold us ... our credit score took a huge hit. So we wouldnt get the best interest rate. Im just exhausted from dealing with all this.
Equifax is allowing XXXX to report falsely..I have disputed numerous times with them. I have two XXXX accounts which were sold to another collection company called XXXX. The balance should be {$0.00} on both accounts. I have the paper trail of every dispute
servicer has had approval from XXXX for a short sale for a week which needed management to sign off on it and I can not get it from them. the home is a short sale and had XXXX offer in 6 months. we have no hope of selling if we lose this buyer. Servicer has been notified of this but does n't seem to care.
I called TransUnion and XXXX on XX/XX/2018 about some unauthorized inquiries on my credit report that I didn't authorize and asked both credit bureaus to be remove the Inquiries. TransUnion refuse to help or remove anything. TransUnion told me to contact the creditors and to file a police report and fax a deletion letter from the creditors. I contacted the creditors. I also informed them that the Inquiries were unauthorized and I didn't give any one permission to pull my credit. XXXX let me dispute the unauthorized inquiries and waiting on the results. I a fraud alert on my credit report with XXXX  and XXXX. TransUnion refuse to put a Fraud alert on my credit report. I've file a police report and faxed the info in to TransUnion as well but the credit bureau refuse to help me with unauthorize inquiries. The Inquiries are making my credit reports seem like I'm begging for credit when I'm not. The Inquiries are damaging my credit report.
A while back we had contacted Wells Fargo because we had fallen behind alittle not by much but my wife wasnt currently working so we decided to try to do a loan modification to lower our payment to make it easier for us, we spoke to someone on the phone and specifically asked can we still make payments during the process and they told us no which we didnt understand, but we went along with it thought we were starting the loan modification process, but every time we tried to contact someone the voicemail was full so you couldnt leave a message or when you would finally get a hold of someone that person doesnt work there anymore so we would have to submit more paperwork and start over again this happened twice. During the what we thought we were doing a loan modification we recieve a letter in the mail saying we have a law day and we werent even aware that we were in danger of facing foreclosure because we never received anything before that, so we hire a lawyer and stop the law day and finally get some where with the loan modification mind you now we are so far behind because they told us not to make a payment when we thought we were doing a loan modification the first time.. so everything is settled they say we can do a trial period which we made all three payments over the phone and the last payment I asked the lady what happens next she said you get something in the mail to sign so that is the permanent Payment so we said okay and then all of sudden we get a letter again saying we were never doing the trial and we never made payments and that they were persuing the foreclosure so now we are back at the beginning again but now we are more angry then we were before and now we want to sue them, we need an attorney to sue them for all the stress and pain they have caused us health wise due to stress.. so that is where we are at right now
Central Financial Control also know as Syndicated Office Systems continues to publish derogatory information to the credit bureaus regarding paid medical bills. In a settlement between NY States attorney XXXX and the credit bureaus, the credit bureaus agreed to remove medical bills from an individual 's report after the debt is paid.
Some  10 plus  years ago my son,  XXXX   XXXX   XXXX , attended a college in  XXXX   XXXX  California. In the past several years, I have tried to obtain receipts, that shows debt owed, payment, debits from the total balan ce. One time some years ago a rep. from Navient   XXXX , settled some of the debt and I was told I only had  XXXX  debt to pay on. J ust two weeks ago, I called Navient, to fin d out my balance. The rep. told me that I had  XXXX  loans totaling some {$42000.00}. Without receiving any debit/credit receipts, the consumer is clearly open for fraud. ( Been told that I had  XXXX  loans vs  XXXX  loa n ) N o one can collect monies without receipts or balance sheets. My bank balance is sent to me.
Me and my x spouse " XXXX '' separated in XX/XX/XXXX. However, he open a Wells Fargo Credit Card under his name only in XXXX. He added me as a authorize user in XXXX, that I was not aware of, nor did I ever use the card for personal use or for his business. He filed chapter XXXX in XX/XX/XXXX and Wells Fargo is holding me personally responsible and have changed all bank statements under my name, even after I asked to be removed as a authorized user, requested all credit card statements showing I didn't use the card, nor was aware I was a authorize user on the car. I have filed complaints with Wells Fargo, all three credit agencies and have a message from his Bankruptcy attorney stating I was only a authorize user and not responsible for this credit card. My credit score was in XX/XX/XXXX a XXXX and since XX/XX/XXXX its a XXXX. No one is assisting me in fixing my issue nor taking this off my credit score even though I have proof it was in his name since XXXX and he added me without my authorization in XXXX, and now all statements are in my name only
XXXX store credit card when you pay the bill in full before the new the billing date they put a XXXX dollar fee on your acct because the month before when you paid your bill you did not pay it in full at least that was the crazy explanation the lady gave me over phone. My bill was due on the XXXX and was paid in full on the XXXX but they put this XXXX fee on my bill because of another time, because I did not pay my off my account the month before on the last billing. Its not an interest its a fee. I have talked to other XXXX card holders they have called and companied about this fee too. If you call get the pay off of the card and pay it in full you will get this XXXX dollar fee in the mail. I called and they lady wrote mine off but how many customers are they ripping off on the credit cards. Something needs to be done about a fee that should not be charged for no reason.
The same debt is and has been reporting twice on my credit report. The original creditor is XXXX XXXX XXXX XXXX XXXX and the duplicated account is XXXX XXXX XXXX which was opened on XXXX 2014 for the same amount. Please see the attached credit report provided by my mortgage lender. This single debt should not be reporting twice and is in violation of the FCRA.
Hello, My name is XXXX XXXX XXXX and I would like to file a compliant against Equifax for reporting a collection account to my name that has been paid through my insurance in full and no longer owed. On XX/XX/XXXX I began my dispute process with Equifax, which has been XXXX of the most tormenting experiences of my life. Initially they processed my dispute and quickly claimed it was verified to me. Then, I began sending them requests to know how these items were verified when my insurance had covered the balances completely through XXXX XXXX on XX/XX/XXXX. This Item was placed in collection by accident and was never overdue or owed. Equifax only claimed that they would no longer process any more disputes or letters from me on the matter and quickly shut me down with no evidence of an investigation, no results regarding how the invalid collection was verified and no answers on who verified it and when. I sent Equifax numerous letters stating that what the collection company was doing was in violation of FDCPA laws and FCRA laws and they were reporting me illegally with no available debt validation. I have filed CFPB complaints against Collection Consultants in XXXX CA for illegally and fraudulently reporting onto my credit file with Equifax. Under FCRA guidelines I understand that as a consumer I have rights to dispute inaccurate and invalid items as needed and that my credit file must be reported with 100 % accuracy ; and this account is absolutely in violation of that and I question the methods that Equifax is utilizing to verify consumer disputes.
My account is 60 months no intetezt with XXXX XXXX. They decreased my credit limit without a warning and or reasoning. This interm affectsy crefit score and debit to credit ratio.
N/A account # XXXX This is inaccurate report and needs to be removed. I 've had health insurance since 2002. I pay my Co-pays/deductibles before receiving services. If they are owed additionally they did not provide me an original bill and did not provide me an opportunity to pay it however, I do n't believe I owe them anything then. I do n't know who this is or what this bill is for. Please provide proof of what I owed you, what the service provided date, and what the service provided was. This needs to be removed from my report!
I got a personal loan with XXXX XXXX /syncronic bank , about 2 years ago. 
I called on XX/XX/2018 asking for an extension to make my payment because I got sick, I was at the hospital and with the XXXX and with multiples doctors. I am still in really bad situation. I have the copies of all my medical records. 
This company announce sales of furniture with zero interest and I got a room set about two years ago .Until XXXX my debt was {$880.00} and they added an amount of {$1100.00} for Interest charge on XX/XX/2018. They did back date charge interest of 29.99 % adding in my account this interest an now my new balance in {$2100.00}. 
l 've been calling customer service. I spoke with XXXX and other ladies and nobody wants to help me. How come they increase my balance when I am calling for help because my health conditions? 
Please I need your help. As I wrote before I have copies of all my medical records. 
please do not add such amount of interest on my account and in this moment when I really need help. Please send this letter to the Manager or Directors of the company. 
I really need somebody who can help me read my letter. 
Thank you I appreciate your help
I recently contacted Diversified Consultants regarding an account listed on my XXXX credit report as a paid collection. The account listed was paid to the original creditor after it was discovered that the original creditor ( XXXX XXXX XXXX ) was sending correspondence to my previous address of service and they had not updated their records to reflect my new service address. I have three separate accounts with the original creditor and have never been late with any payments on these accounts. I was assured by the original creditor that this matter would be resolved but after several attempts through mail and by phone with Diversified Consultants this paid collection still remains on my XXXX credit report. This account is the only blemish on my credit report and i respectfully ask that it be removed as it was paid as agreed upon to the original creditor.