WillisBack/dataset-financial-user-claim huggingface dataset:
This is a complaint from XXXX XXXX against Northland Group for Northland 's failure to provide requested information for the debt alleged. Consumer, XXXX, received a demand letter from creditor, XXXX. On XXXX XXXX, 2016, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt XXXX ; and g. Any other documentation which tends to show validity. 
It has been over one month since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of XXXX XXXX, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
FORD MOTOR CREDIT, ACCT.NO.XXXX .... is wrongfully appearing on my XXXX credit report.Ford financed and sold me a lemon, an unsafe vehicle that did not meet the implied warranty laws of the state of California and never will.Never since new has the car been safe or functioned normally.From the start, the fuel pump and air bag module malfunctioned.The front driver seat does not adjust, The doors unlatch by themselves while driving.The transmission had to be replaced at XXXX miles.The transmission clutch still doesn't function after replacement, The motor mount broke, The hood latch doesn't close.The trunk latch releases anytime.When my wife was stopped at a red light and rear ended at high speed, two air bags did not deploy.The list continues but what matters here is that two different branches of the same company are involved.

The manufacturer and the lender.Ford motor credit doesn't know what the manufacturer keeps secret.The car when sold was defective, severely illegally defective.It has XXXX value except as scrap metal.NO ONE CAN BUY IT, NO ONE CAN SELL IT.

YET, the financial branch Ford Motor credit wants to destroy my credit because at a certain point I no longer wanted to pay for a vehicle that was unfixable and unsafe. 
When it was sold and financed it was not what it was claimed to be.Everyone just wants to not obey the implied warranty laws of CALIFORNIA. 
THIS ITEM SHOULD BE DELETED FROM MY CREDIT FOR FRAUD OF THE MANUFACTURER AND FRAUD OF THE LENDER.
Ref : Car Ref This is the XXXX 4 times bank of America refused to give me credit ; I Had been trying to reestablished an account with Bank of America and it has keep denying me for either credit cards or bank loan.. I had apply with other loan and card companies and got approved .. I do not understand why bank of America is discriminating me since my property foreclose was canceled by the court. Bank of America is refusing or helping me to reestablished my credit that I already had. I hold other account with max credit of {$6000.00} in good standing and my credit score is XXXX approx. But i do not understand why bank of America is refusing to give credit. I feel discriminated by Bank of America. Please Help
My 2nd lien mortgage is very delinquent due to a BK and payments not being paid to the creditor during the BK. I have tried everything in my power to work with this company. As I am now able to make the payments and keep the loan current. I sent a check for XXXX payment {$19000.00}. The check was not cashed or returned. This would cover all the PITI. leaving only fees and forced placed flood insurance ( my hone is not in a flood zone I paid the {$500.00} to have a the home re-survey and the letter needed for XXXX to remove it ) Not sure why the 2nd forced placed insurance and my first lien did not. I attempted to call and e-mail their advocacy group and was told they can not talk to me due to a cease and desist order. I exampled that was put in place due to the BK and that only means they can not contact me but if I 'm seeking out help they can talk to me. The rep refused to give me any additional information as to where my {$19000.00} went and why it was not accepted. The loan has not been breached and is not in XXXX they send me a monthly statement. They have no right to refuse payment. They have in no way issued a demand letter demanding payment in full. I tried to send them the full XXXX payments I am behind in XXXX payment and like I said above not sure what happened the check has not been cashed or returned and they wont talk to me. The chpt XXXX BK was completed XXXX 2015 all payments were paid on time.
since XX/XX/XXXX I was working with XXXX XXXX to refinance a home that I live in. I was given this company through XXXX XXXX to help me repair my credit and get some cash out for a rainy day istarted working with a XXXX XXXX XXXX aka XXXX XXXX mls # XXXX who at first was very helpful. then she turned me over to aloan officer XXXX XXXX who mis reported and read things that are not true as reported and recorded by athree way call with Equifax and alady name XXXX who was in XXXX XXXX   and could barely speak XXXX it is now XX/XX/XXXX and no loan and wasted my time after giving them all the paper work I requsted I am XXXX man with a XXXX XXXX XXXX and XXXX and suffer from XXXX   and XXXX. i believe they contact my bank to discuss tis matter with out my consent and hurt my chances of getting the loan this was a waste of a month when i provide everthing they ask for and then some donot truste XXXX XXXX say one thing do another
BOTH AFFILIATES COLLECTION COMPANIES FAILED TO VALIDATE SAID DEBT, AND APPEARED ON MY CREDIT REPORTS W/O CAUSE, ALSO, FDCPA, TCPA VIOLATORS.
*I have reviewed my Credit report and found several account unrecognized items from your office PHOENIX FINANCIAL SERVIC # XXXX. I do n't remember doing any business or having having a contract for services. Please forward me proof of contract or my signature etc ... I can not seem to locate any files or paperwork that show PHOENIX FINANCIAL SERVICES is in compliance as far as HIPPA laws.
In 2012 my brother opened a car loan with XXXX. We have the same initials but different middle names. Some how the repo is showing on my credit report. I disputed this a number of times but nothing was ever done about it. I contacted XXXX a number of times in regard to this matter yet i'm still being held responsible for this. I didnt open this account, and is a mistake or fraud on my brother part ( which he is known for ). XXXX cant prove its my account because I never opened this loan or checking account with XXXX. Recently I decided to buy a home but this repo account is hindering me. This is mistake and or fraud. XXXX cant valid that this is my account because I never opened it. They even threaten to sue me. I just want this to be over.
I have been before the CFPB before concerning SunTrust bank. After the 2 previous complaints SunTrust refunded fraudulent fees they were charging to my savings account and discontinued the practice of sending me unrequested monthly statements and then charging me for them. How ever as of XX/XX/XXXX the XX/XX/XXXX SunTrust is again fraudulently charging me a monthly maintenance fee of XXXX. This time its my checking account. I have never seen this charge before. This is the first time they have done this as far as I know. 

My account was originally a " XXXX '' maintenance free checking account. that was in XX/XX/XXXX I believe. The only stipulation was that I allowed XXXX to transfer XXXX dollars a month from my checking to my savings. I agreed and sign up for the maintenance free account. Then XXXX bought out XXXX, and my account remain as I sign up for, a maintenance free account. Finally SunTrust bought XXXX, and inherited my Maintenance free account. I have not requesting any changes to my account type or status. It is a maintenance free account and I want it to remain as such. 

For the most part SunTrust follows the account legal agreement and transfers XXXX on or about the XX/XX/XXXX of each month to my savings account which is part of the agreement. they did so on the XXXX of XX/XX/XXXX. The only issue I have with them currently is that they are now deducting a XXXX maintenance fee and my account is a maintenance " free '' account. 

This is the 1st time they are doing this and I want them to stop it before they do it again.
I filed bankruptcy which was discharged in 2014. Capital One reported this as discharged when the discharge took place. Capital One continues to post new negatives on my credit report monthly even thought this account was discharged and the credit card was cancelled. I know the initial negative will stay on my credit report for 7-10 years. Is Capital One allowed to continue reporting new negative information? If so, this new negative will stay on my credit report way past the 7-10 year time frame. How do I make this stop?
This fraudulent account. Someone open account XXXX card.It was remove credit reports now capital one sold the account its back on my credit report
My name is XXXX XXXX XXXX I am a XXXX y/o XXXX individual. In XX/XX/XXXX My passport was stolen and the US embassy assisted me in getting back across the border back into the USA. As I stated I am XXXX and was told that they would take 10 % or {$50.00} dollars out of my SSI check each month to repay the debt. As the debt and its origins are more than 7 years ago I requested it be removed from my credit report filing both disputes with equifax and also XXXX to get to equifax. They have renewed it several times appearing as a new debt. the original reporting was in XX/XX/XXXX to XXXX equifax and XXXX  of which I requested removal it was not removed. In XX/XX/XXXX again I requested removal and they either the us Treasury or the 3 bureaus keep changing the origin date and or the amount + the date and today it again was placed as a new debt this is today on equifax : " New Bank/Credit Card XXXX XXXX XXXX XXXX XXXX reported a new account on your Equifax Credit Report. 
New Account Alerts notify you when a new account is added to your credit report. 

Alert Details Alert Date XX/XX/XXXX Source Equifax Company XXXX XXXX XXXX XXXX XXXX   Address XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AL XXXX Balance {$840.00} '' The original balance was {$420.00} It has been on report for more than 7 years. 
I only have proof as far back as XX/XX/XXXX but if you request proof of my signature you will find the dates to be XX/XX/XXXX This is the only derogatory remark on my credit and I have excellent credit otherwise. You can see by the credit report attachments that the original open date keeps changing as well as the amount of the debt at first XX/XX/XXXX the XX/XX/XXXX and now XX/XX/XXXX XX/XX/XXXX
Between XX/XX/XXXX and XX/XX/XXXX Transunion deleted several inquiries from my credit report and reinserted deleted inquiries without proper notification to me. I would like to have these inquiries removed. I spoke to a Transunion representative over the phone but she was not able to resolve the issue to my satisfaction.
This relates to Target Credit. As stated above our house burned and I do not havve my records but, Target should because we dealt with only XXXX man. The issue was over XXXX fraudulent charged to our Target Card.and was resolved with the removal of the XXXX and we paid account as agreed. The XXXX Credit report shows the matter under " Adverse Accounts '' but I can not understand what was reported but, the settlement was not. Then XXXX reported that a company called " XXXX XXXX was reporting a collection matter with XXXX Target XXXX with an amount of {$3000.00} but, we have never talked or had any communication with this company. The {$3000.00} was the fraud amount that Target said was charged off. There is no address or phone for this company. I think Target should do what they ageed to to and remove this from my Credit Report. It is unfortunate that the fire and burning of our house on XX/XX/2015 took all my records. I am complaining about the difference of the XXXX reports and the information contained in the reports.
I pulled my XXXX credit report and noticed they have 3 variations of my name and 2 of them are spelled incorrectly. I sent a letter to have them update my information to show my correct name and address and to remove all other variations. I received a response to go track down whoever is reporting these incorrect names & addresses. As a credit reporting agency they are suppose to validate that the information they are reporting is correct. If they are allowing someone to report on my credit report an incorrect name and address they are putting me at risk for identity fraud. The other credit reporting companies had no problem updating my information and removing all others. I am not going to chase down 2 companies to find out who is reporting my information incorrectly. If they are receiving information for my credit file that does not have my correct information than that is not my debt. It is their responsibility to make sure its correct. They should be updating my information to reflect what is true and correct so I can not be liable for a debt that is not mine, so I am protected from identity theft. As a credit reporting agency it is their duty to validate and make sure the information they are receiving is valid, verified, and make sure that it belongs to me. Not just take anyone 's word and post whatever someone reports to them. I want all my information updated, corrected and all other variations removed. They are putting me at risk, they are hurting me and my credit report, they are allowing things to be reported that may not be mine if its not my information. I have one name given at birth, I have one birth date, I have one address that is deliverable by the United States Postal Service. Please help me to get this fixed.
A PERSON CALLED ME AND TOOK CONTROL OF MY COMPUTER LATER ON I FOUND THAT XXXX $ HAS BEEN TRANSFERRED FROM MY PAYPAL ACCOUNT TO A PERSON NAME XXXX XXXX.I WANT TO FILE CASE AGAINST THIS PERSON AND STRICT ACTION BE TAKEN AGAINST HIM WITH IMMEDIATE AFFECT. 

XXXX XXXX IS A SCAMMER.BEWARE PEOPLE
I found a recently opened account with no info Except company name on my credit report. I have never been contacted by this company no information, you try contact number is is voice mail that is full. I have had no business with this company or anyone they represent.
In early XXXX of last year ( 2016 ) I began a home refinancing process with my local Chase Bank. At the outset of the process I was given a document to choose how I wished the monies in my impound account to be dispersed at the finalizing of the loan. The choices were to either use the funds in the paying off of the old loan or to have the funds reimbursed back to me in a check. I chose to have the funds returned to me. ( That document is attached in the number of documents I attached at the end of this process. ) At the signing of the loan documents on XXXX XXXX, 2016, I was shown that the balance of the mortgage loan at Chase was XXXX, XXXX. XXXX. Upon a call to Chase Customer Service Department, in late XXXX 2016, to inquire about the release of the those funds in the impound account, I was informed that those funds had been applied to the pay off of the loan Chase was giving me. I had no knowledge of the vast discrepancy in the payoff amount and was laboring under the apparent delusion that the funds in the impound account belonged to me solely and could not be used for anything except the paying of my property taxes and home insurance. I am XXXX XXXX XXXX and I believe I was taken advantage of. Chase did not fully disclose what was happening and I was left in the dark and am now out of the {$4000.00}, + dollars I believed were mind to do with as I please at the end of the refinancing process. Another thing, I was encouraged to fold the amount of my property taxes, due XXXX XXXX, 2016 ( {$3000.00} ) into the load so that closing could be expedited and was assured that I would recoup those funds in the refund of my impound account, an assurance given by the lender handling my loan and the person conducting the final signing, a representative of XXXX XXXX XXXX of California. In a document date XXXX XXXX, 2016, I discovered how the funds were applied to the loan. I remain disheartened and disappointed and angry that I was taken advantage of.
I need some help maneuvering the student loan bureaucracy and ask for assistance to help me qualify for loan forgiveness through the Public Service Loan Forgiveness ( PSLF ) program. Here 's my background : I have been paying monthly on my student loan since XX/XX/XXXX ( over 120 payments ). When I first started paying my student loan after XXXX school, I was making payments to Sallie Mae, which eventually was sold to Navient. Much like when a mortgage is sold, you just keep paying monthly to the loan provider, which is what I did. I also have worked full-time in XXXX XXXX for over 10 years. First, with the University XXXX XXXX ( XX/XX/XXXX-XX/XX/XXXX ) and XXXX XXXX XXXX University ( XX/XX/XXXX- XX/XX/XXXX ). I qualify for the PSLF based on my years of public service and consistent re-payment of the load. Unfortunately, there is a loop hole in the law that the loans have to be consolidated under a directly consolidated loan through the federal government to qualify. Since was making payments through Sallie Mae and Navient, I was told by Federal Student Aid that my years of payments essentially " don't count '' toward loan forgiveness and I would have to consolidate the loan and make 120 more payments to qualify. I would have no way to have known about these options through Navient. This law was put in place to help those of us with crippling student load debt ; however, I would not have known to consolidate the loan back in XX/XX/XXXX when the law was put into effect. The issue is that I would have had no way to know this. I've done everything right. Consistent monthly payments for 14 years, working for state institutions and supporting public education. The issue is that
This is the most stressful company regarding student loans. I have tried to reason with this company within the past 7 plus years. I have gotten NOWHERE!!!!!!! Not only are they rude, arrogant and condescending, they do not want to help you at all. I have done substantially amount of financial statements regarding my outstanding private loans. I have made payments, entered multiple programs. Nothing works. The latest incident is the fact that I am trying to lower my monthly payment and my only option was by a minimal {$47.00} dollars!!!!!! At one point an agent even asked me " How can you afford your loans? '' after she did a financial statement on me. When I try to speak to one representative, my account is either not noted or they just do not give a XXXX. I am constantly being transferred to other representatives and when I ask to speak to a " manager '', they often tell me the same thing the representative has told me, and that they simply can not help me. Not to mention the amount of phone calls I get daily.I have over 20 numbers from Navient blocked. My voicemail has reached its capacity with them leaving me voicemails. They have harassed my co-signer on his personal cell phone and his job. They have harassed me at my jobs as well. It is ludicrous for someone who makes less then 42,000 a year, living on their own with their own expenses to make a payment of XXXX a month. After making several payments over the years, I have NEVER EVER seen a decrease in my loans. This company is a scam. What they are doing to people is absolutely corrupt. Student loan debt has become a massive epidemic. I feel that my story is never heard and I am just one of a million people who are in the same situation as myself. It has put me into a XXXX which has resulted in going to XXXX   XXXX  XXXX  for almost a year. Something needs to be done. This company needs to stop ripping people off and be more honest and helpful. I hope that in the near future, I see a major change to my loans or that I receive some type of help.
Amex calls me repeatedly even though I have explained my financial situation and my inabiltiy to pay at this time. The phone call I just had with a debt rep from Amex consisted of him repeatedly telling me if my payment wasn't made today, I would be turned over to collections. I asked for the late payments to be removed and he stated they could only remove 3 fees. I asked for more and he kept repeating himself about closing the account and sending me to collections. When I asked him to stop making threating statements and asked for his supervisor, he refused and continued repeating himself about what will happen if I don't make a payment.
Threatening to contact my place of employment to garnish my wages without a court order. Telling me I 'm dumb and should just pay them. Continual calls daily.
Original borrow ended XX/XX/2012. Estimated total debt +/- {$38000.00}. Total initial consolidation at that time was {$76000.00}. I fought with Navient about this, they would not budge. I filed a XXXX  complaint and they credited +/- {$11000.00} due to a disbursement to the school that was returned. However they still double consolidated the total loan amounts!! I have been attempting to fight with them all along. I have filed numerous complaints and have gotten now where. I have paid, relatively diligently since and have currently paid in +/- XXXX. I know there is interest in there to pay back. Navient still has me listed as owing XXXX. 

1. Even if I did owe XXXX minus the XXXX credit, total XXXX - after paying in XXXX, how is my balance only decreased by XXXX?!!! 
2. I do not owe this massive amount and have paid for over 7 years on this loan without a decrease in balance. 
3. I can not get the balance due corrected!

4. Lawyers tell me that I am beyond the 3 year contract law discovery since I flied with the XXXX. 

What do I do??
I am trying to get a written debt validation from this company called " SIMM ASSOCIATES, XXXXNC. '', but they are refusing to give it to me. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), it is my right to receive in writing " letter '', the proof that this debt is owed.  They are constantly calling me, asking for payment and making threats about reporting this to the collection agencies. They are doing all this without showing me a debt validation. They are breaking the law and should be prosecuted.
On various occasion as I entered my XXXX program training in XXXX XXXX in XX/XX/XXXX, XXXX accredited program, I tried to place my loans of deferment knowing that I qualified I was denied and was told that I did not qualify. Every year I maid the attempt to place my loans on deferment and was not allowed. on XX/XX/XXXX I made a call to Navient and was told that I did qualify at required me to sent a letter. Letter was sent and never was processed. Just recently XXXX XXXX placed a remark on my credit score even though my loan had not gone into repayment affecting my credit score ; following month it went in repayment and payment was made. My sent documents or not in their web page they have eliminated everything before XX/XX/XXXX from messaging sent and received by me and them. I was miss guided along the process and was placed on forbearance knowing that I did qualify for student loan deferment on the subsidized part of my loan.