WillisBack/dataset-financial-user-claim huggingface dataset:
I recently this past year have been randomly getting mail from this creditor with pat off options in which I do NOT owe.
Navient will not release my co-signers. I have been paying them myself. They claim my payments are late and they cant be! They are issued by automatic withdrawal. First they said I need to pay 15 months and when I applied to release my co signers they said I only needed 12 months of payments. They still refused to release my co-signers. They are never consistent. They always get the wrong amount that I owe and call harassing my co-signers and me even when I have paid on time. My co-signers have complained and have I but nothing changes.
Both equifax and XXXX have my account with XXXX listed has charged off or repossesed. My car I got through them was stolen on XXXX XXXX and I have the police report to prove it.
I banked a check for {$1100.00} through mobile phone deposit. 
The transaction did go through. 

My check was then stolen in an incident where a women took my wallet while at a cafe. Unfortunately my check was still in the wallet. She scribbled out my name and wrote her own, took it to XXXX and managed to cash it even though it was clearly scribbled out and visibly fraud. 

I reported this immediately to my bak ( Chase Bank ) and filed a claim. XXXX could not accept my claim so then my place of employment who issued me the check went to the bank and filed XXXX claims all of which were dismissed. 
There is hard evidence that I was wronged and money was stolen from me and the bank are dismissing my claim as they think they will be unable to have the money returned by XXXX though none of this is my fault and the banks allowed this transaction to go through.
This complaint is in reference to File # XXXX. XXXX XXXX XXXX has reported an eviction in the amount of {$4700.00} In the month of XX/XX/XXXX. Also a public record from XXXX County Circuit Court In the amount of {$1100.00} both are from the same original creditor ( THE RESERVE AT XXXX XXXX APARTMENTS ) both have been reported on credit report. On XX/XX/XXXX I contacted Transunion @ XXXX I spoke with agent from XXXX by the name of XXXX. I told XXXX that I wanted to dispute some accounts that are being reported inaccurately and I asked about the difference in the amounts for the XXXX XXXX XXXX XXXX Account. I questioned the Amount of {$4700.00} which i have no knowledge of and how could Transunion allow such a huge amount to be reported on credit file without legal and proper doccumentation. I was advised by XXXX that i could dispute both items. Upon my disputes i requested for validation of debt and a billing statement with the list of charges from the collection agency. The court order was only for {$1100.00} where did they get {$4700.00} from? I called back on XX/XX/XXXX to do a follow up of the disputes on that day I spoke with an agent in the special handling department by the name of XXXX, i asked had there been any response back yet and she stated that she did not see any accounts being disputed at that time. I told XXXX XXXX that could not be possible because on XX/XX/XXXX, i also gave her the agents name and the file number that wsa given to me on that day. XXXX XXXX place another dispute on both items again and she stated that she could call XXXX XXXX XXXX to see if that would speed things up. The response was from a collection agent by the name of XXXX XXXX, she responded that this debt was verified and consumer needs to pay the debt. I recently had a tenant screening done my application was denied for having a Public record And eviction on credit report with XXXX different amounts appeared to leasing management as seperate evictions. 

I have no knowledge of this agency an the amount that is being reported on my consumer files. I have no contract with this Third Party Collection Agency. They are in violation to my consumer rights. If this continue to remain on my consumer file, further actions WILL be taken! PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT PERMANATELY.
I have XXXX student loans with the same isssue. ( XXXX ) Transunion reported a 90 day late payment on XX/XX/XXXX. ( this is not possible as payments for XX/XX/XXXX and XX/XX/XXXX reported as On time. This is an error on my report that is negatively affecting my credit worthiness.
THIS IS NOT, NOT, NOT A DUPLICATE, BECAUSE THEY HAVE NOT ANSWERED ANY OF THE QUESTIONS. A date for sale is schedule for XXXX XXXX, 2017, and they are playing games with us. The questions listed below are still going unanswered. The sale must be stopped until these questions are answered. Ocwen loan servicing and XXXX, are both saying they do not have the original note, but they have not given us any proof that they have it. They lied to the court by stating that they had it to get the final judgement without properly notifying us and this is why we are asking these specific questions. 1. We are asking for any original documents that show who received the payment for the insurance on the mortgage, because it was not the XXXX estate, nor his beneficiaries. Where is our receipt from the original sale. WHO deposited the note? 2. where is the paperwork that shows that XXXX gave consent to have the funds donated to the alleged owner of the note. 3.Does the Clerk of XXXX County in XXXX have a license to sell this property, and if so can we have a copy of it? 4. Who are the investors that recieved payments on this loan, and what role does XXXX have in this mortgage? 5. We want to know who have any interest in this property higher than ours, the beneficiaries? 6. The reprinted copies we already have, so who has the right to reassignment of this loan if not OCWEN LOAN SERVICING INC? 7. IF Ocwen and XXXX have no interest then can the real party of interest identify themselves so we can communicate with them? Below see the previous complaints, Thank you in advance for you help in this matter. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Previous Request for production of information : 1.The original BLUE INK promissory note, front and back, associated with the Loan 2. Any allonge, front and back, affixed to the Borrowers promissory note for indorsements 3. All bookkeeping journal entries associated with the Loan 4. The deed of trust associated with the Loan 5. The insurance policy on Borrowers promissory note associated with the Loan 6. The Call Reports for the period covering the Loan 7. The deposit slip for the deposit of the Borrowers promissory note associated with the Loan 8. The order authorizing the withdrawal of funds from Borrowers promissory note deposit account 9. The account number from which the money came to fund the check given to the Borrower 10. Verification that Borrowers promissory note was a gift to the Lender from the Borrower 11. The name and address of the current holder of the Borrowers promissory note 12. The name and address of the Lenders CPA and Auditor for the period covering We are further requesting the following documents from you and your alleged parties of interest and you are hereby give an additional 10 days to reply to these demands. 1 ) form XXXX registration statement 2 ) form XXXX ( b ) ( 5 ) prospectus ( for the SEC ) 3 ) form FR XXXX balance sheets 4 ) form FR XXXX balance sheets 5 ) form FR XXXX balance sheets 6 ) Profits from stock market, trading your instruments?
COLLECTOR IS STILL ILLEGALLY REPORTING TO ALL BUREAUS IN VIOLATION OF FCRA ETC.
On around XX/XX/2018 I applied for a XXXX card from Capital One and I received a XXXX XXXX XXXX XXXX XXXX with my excellent credit scores of XXXX XXXX and XXXX XXXX. 

My credit limit was only XXXX and I just received my XXXX XXXX XXXX XXXX XXXX on XX/XX/2018 and I did request a higher credit increase over XXXX and made contact with Capital One rep on XX/XX/2018. 

With my excellent credit scores I should have receive a credit limit around XXXX or more and my XXXX Card that I requested. 

I am XXXX XXXX and XXXX .Very Urgent Matters
I placed a complaint yesterday though CFPB and now it has gotten even worse. The company I placed the complaint on has appointed a man named XXXX XXXX to my complaint. I have asked him respectfully to add my number to their internal DO NOT CALL list and to stop emailing me. He insist in not doing so until I give him ALL the numbers I 've been getting calls from. It is difficult to give him all the numbers I 've been called from when the cell phone they call me to is my work cell and I do n't save the numbers that call me. Please, make them leave me alone. Their continued calls and emails are give me XXXX XXXX and causing XXXX XXXX.
Southwest collections is still reporting the account as being an open account, when it should not be. In California there is a 4 year statute of limitation an open account. The original company was the XXXX so the account has also been reaged to when Southwest collections got it. I am requesting a verification of this account, which I am entitled to within 5 days of request.
I was contacted by the national systems in XX/XX/XXXX about a collection on an apartment I shared with a roommate in XXXX. They told me there was a debt of {$2600.00} that was due, I explained to them that I had been signed off the lease in XX/XX/XXXX they told me to send in supporting documents supporting my claim that I was not legally obligated to the debt owed. When I called to ask why my name was on the collection the women Ms.XXXX was very rude and curt with me, She then cut me off when I was trying to ask questions and explain that they simply didn't have updated paperwork. She got upset and hung up the phone on me and when I called back she cursed me out and called me out my name and continued to hang up on me. So I proceeded by sending the documents stating I have an excuted roommate release lease and a statement from the apartment owners as well as a dispute letter per Ms.XXXX request she sent me a letter in the mail with a copy of the previous apartment owners debt request, Which didn't have my name but my old roommates information as I wasnt mentioned at all along with a letter stating that they didn't have any proof to verify my claim. So she proceeded to execute the debt on my credit report. I filed a dispute with the credit bureau stating that I am not obligated to the debt along with the paperwork I sent National Credit Systems Inc. Even though Ms.XXXX had recieved the dispute a week before sending it to my credit report but reported it anyways out of spite.Its illegal to attach a debt to a persons credit report after they have provided documents stating otherwise.

As stated above I sent national credit systems Inc. The same paperwork from the apartment complex and a dispute letter from myself along with an excuted roommate release lease prior to the debt in a timely fashion and the debt was still added to my credit report, the paperwork they sent me on the XX/XX/XXXX that had the apartments estimate for the debt did not have my name on the paperwork which I have also previously attached. 

The apartment ledger that national credit systems sent me from XXXX XXXX   did not have my name on it but my previous roommates information only which is why I keep asking them to remove me from the claim seeing that my name wasnt given. I continually tried to explain that they simply didn't have updated paperwork and that I have a fully excuted roommate release from and a signed statement from XXXX XXXX stating that I am not legally obligated to the debt all of which I sent to national credit systems before they out it on my credit report but because ms.XXXX da malicious she ignored the paperwork for my dispute and put it on anyways. It is shady business practice to falsify collections on a credit report after having paperwork stating otherwise. I have sent everything national credit systems has asked and have all the documents stating that this isn't my debt but they refuse to correct their intentional mistake. My credit has suffered an 79 point drop because of their shady business practices.
Due to the Economical Real estate crash on years XX/XX/XXXX, my hard financial ship due to income reduction, XXXX problems due to a car accident on XX/XX/XXXX, family catastrophic death, which I am including a detailed ( LOE ). I did start a mortgage modification during year XX/XX/XXXX directly with Fannie Mae, local office which, I did not know better to properly prepare my file to avoid being denied for the modification. later on I paid to an Attorney office few XXXX dollars for professional advise and to prepare my documents properly to submit them to XXXX. at that time during the meddle of the process, XX/XX/XXXX XXXX sold or transfer my mortgage to Nationstar Mortgage. Therefore and among my frustation and desperation, I was force to pay to another Lending office for more professional advise and to properly prepare and submit the file again to Nationstar Mortgage for a modification by XX/XX/XXXX-XX/XX/XXXX. at this time I was already getting on dip financial trouble without my saving striving to keep upside down property values so I used all my retired savings to pay debts. as well as, desperate being back and forth submitting documents multiple times to lender for more than 3 years. Please review complaint XXXX. XXXX. it was to be disputed by the XXXX office i did pay for it. I have not understand yet their " Unfair Lending Practice '', eagerness, negligence, unprofessional, luck of proper communications, manipulation of the process as to create a second Escrow account to their benefit. instead, for them to provide an straight, proper customer or consumer solution without giving us night mares, frustrations, time consuming and jeopardizing Customers Excellent Credit History. such as, in my case reporting to credit agencies I was up to 5 months late on payments. Which, I was never more than 2 months late on end of year XX/XX/XXXX. I am submitting herewith my Bank Account 24 month history payments and their history where you clearly notice that payments where not properly handle by them and with the XXXX Escrow accounted They created. Finally they offered me what they call a modification to extend the loan to 40 years without reducing my current really high interest rate of 5.875 %. Reason for which I am submitting again a complaint. I am submitting herewith : current Mortgage loan statement, The attorney letter firm XXXX, My Hardship letter of explanation, XXXX research, my bank account showing 24 months history payment, Nationstar Mortgage partial history payment, Loan Modification package of documents I received, annual Escrow Account Disclosure statement, and their biyearly Escrow Account Disclosure Statement for your review. Please just let me know which other documents do you need in order to properly proceed. I do Really thank you in advance for your kindly, proper and prompt attention given for a solution to this file or complaint.
I have asked XXXX XXXX XXXX card to work with me to lower my interest rates several times thru the ten yrs I have had this card. And they refuse to do so. I am never late with my payments and would like to be able to pay more on my monthly payments but can not afford too for their monthly payments are to high and I live on Social Security only. Thanks for taking my concerns.
My son and I both go to XXXX as regular patients. We both are under my health insurance. I am a federal government employee with excellent health benefits. I keep receiving harassing calls from receivable management in XXXX Virginia saying that I owe bills to XXXX. I went onsite and while at XXXX I was told I do not have a balance nor do I owe a bill. XXXX does not allow patients to be seen if a balance is owed. I received a notification on my credit report stating that XXXX is being reported by receivable management I was very upset but because I 'm going through security clearance I paid it. I need this investigated because they clearly are n't sending bills to my insurance company and there is a disconnect I 'm not receiving bills and I do n't owe any I received another call today for XXXX from this receivable management this is fraudlent and becaus inpaid the first bill they are trying again. This needs to be deleted from my report I was told if I pay it and request in writing the XXXX would be deleted and it has n't now they are asking for XXXX
XXXX is reporting a collection account on my experian credit report this account does not belong to me it is fraudulent someone has been using identity for the past 10 months and I have been a victim of identity theft
my identity was stolen and used and as a result some accounts were opened. I filed police reports with the XXXX police dept in XXXX report number XXXX and report number XXXX in XXXX. I mailed by last notification of my identity being stolen and accounts being opened and used including student loans. 
these are the fraudulent accounts opened that transunion refused to consider my police reports and the proof ive sent. 
XXXX all accounts XXXX and all inquiries except for any listed XXXX. 
i want these fraudulent accounts removed from my account and i want my current phone number added to the fraud alert on my report. XXXX
Recently Transunion and XXXX  has had a breech where thousands of consumers information got into the hands of others. I have been a victim of identity theft provides police report. Contacted Business to show proof I gave permission for them to pull my credit and still no response. I need these items removed from my credit immediately or either show proof that I requested. I did not authorize anyone to pull my credit.
Disputes inquiries on my credit report with Experian that were a result of the XXXX data security breach. Have not received mail from Experian. It has been 40 days. Tried calling and the wait time is too long.
I had refinanced my Mortgage from Wells Fargo, Loan XXXX, paying this off XXXX XXXX. Once I saw my escrow account had been refunded XXXX XXXX, I saw an additionall deduction for Mortgage Insurance XXXX XXXX which I do not believe was disclosed in the Payoff Statement. Payoff Statement in XXXX showed XXXX, upon a payment XX/XX/XXXX, the payoff on XXXX XXXX was higher at XXXX. Upon a payoff statement in XX/XX/XXXX after another payment, this was XXXX. I believe Wells Fargo Payoff Statements to be misleading due to the amount going up after an on-time payment. 
My additional statement as to why this was misleading is the language does not cover an additional deduction after payoff, the figures show prorated Mortgage Insurance included in the payoff figure, nothing else. Language in the statement XXXX XXXX indicated for a XXXX XXXX payoff, " to avoid paying an extra month of interest, you ' want to arrange your closing so the payoff funds reach us on or before the first business day of the month. '' For this language, I feel the {$130.00} taken in XX/XX/XXXX prior to their refund of the escrow is owed. I do not trust Wells Fargo as customer service is insincere and seems to transfer people unnecessarily and leaves this to their Executive Office. I was contacted by a XXXX XXXX who indicates he is working on this and he imposed a deadline of XX/XX/XXXX to get back to me. I want to ensure that Wells Fargo is not taking advantage of other customers and is properly administrating these loans and including the appropriate language, including providing accurate payoff amounts, which as mentioned, I do not feel I received.
I was going over my XXXX XXXX and I discover some unverified accounts that I don't recall seeing any accounts for business in my records. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. These are accounts are not accurate please delete : XXXX XXXX {$690.00}, XXXX XXXX {$520.00}, U.S. Bankruptcy XXXX the accounts are not accurate. The accounts in question were actually paid in full. The information is wrong I know for a fact you receive this information from a third party source. However this information in WRONG! Not sure who furnished it is unconfirmed and unverified, it is not 100 % accurate. FCRA 1618 ( a ) ( 5 ). Please delete these records from my credit file
I have a few hard hits on my credit I did not authorize. My Father and I have the same name and same address so sometimes are information gets mixed up. I am not saying that 's the case here but few of these inquires are not mine nor did I authorize them.
I am unable to receive my Credit Report from the XXXX XXXX that a Government site recommended. I Just Tried Equifax again and this page popped up afterwards. https : //fact.econsumer.equifax.com/fact/verifyAuthentication.ehtml ... I tried to get a loan recently from my bank to buy a car, and I was declined. I just want to find out who I owe money to so I can pay it off and get a car with heating and air conditioning to take me to work. I wish it was n't so difficult. I made some bad decisions when I was younger thinking I could afford things I could not or hospital bills. My boyfriend is great with his finances and I do n't think he would want to marry a girl who could n't even get a credit report, let alone a loan. Sorry. Could you help? Thanks. Equifax , XXXX, and the other one are not recognizing me at all.
NOT MINE, NO LEGAL CONTRACT, not authorized, no knowledge of this account. I have this negative account reporting on my credit report the account is reporting negative information and the account is saying I had it and its been open for 23 years .If you do the math I 'm XXXX XXXX XXXX today if I opened this account 23 years ago that makes me XXXX XXXX XXXX XXXXCAN YOU PLEASE TELL ME HOW CAN A XXXX XXXX XXXX HAVE A CREDIT CARD IN THE USA.I CONTACTED COMPANY about this several times and They told me I 'm responsible for the account even after finding I was only XXXX XXXX XXXX at the time this account was opened .This is just ridiculous
This complaint concerns XXXX/XXXX. Wanted to payoff {$100000.00} of my student loans, which is not possible through their website payment options. Had to call and press multiple times for wire information ( wire information is not available online ). As a borrower, I am permitted to direct how certain payments are to be applied/allocated to individual loans from the lump sum payment ( to the extent permitted by current federal regulations ). After applying the payment to outstanding interest as required by statute, I wanted one loan paid off completely and the balance applied to the larger, remaining loan. XXXX told me to upload a letter directing payment to my account on XX/XX/XXXX ( which I did ) and then wait 7-10 business days for some acknowledgement by XXXX of receipt of those payment instructions. Business day 10 arrived and I called on XX/XX/XXXX to inquire/confirm receipt of my payment instructions. The new XXXX representative told me they could not comply with those instructions. Instead, they would apply the {$100000.00} in whatever manner they chose, then look at my payment instructions and attempt to follow them ( essentially by undoing their transaction and then reapplying payment ). Fixing their mistake/refusal to follow my payment instructions will then take another 7-10 business days. I have demanded they waive any interest I unnecessarily incurred waiting from XX/XX/XXXX to XX/XX/XXXX for them to acknowledge my payment instructions ( I did so based on their misleading, inaccurate information ) and have further demanded no interest accrue during the 7-10 business days they will take to comply with my actual payment instructions. Given the amount of money involved, their complete inability to function like any other debt servicer is outrageous. XXXX must do better or be made to do so.