WillisBack/dataset-financial-user-claim huggingface dataset:
I continue to receive collection emails from Nelnet for a debt that does not belong to me. I also informed them several months ago that I am actively participating in a Chapter XXXX Bankruptcy plan and that they are breaking the law by sending me collection notices -- especially since I never signed anything agreeing to pay for my son 's school tuition. 

I demand that they cease sending collection letters and cease their threats to increase collection efforts. I am filing this complaint because I am fed up with their insistence that the debt is mine without providing any evidence and that they continue to defy the US Bankruptcy laws. My greatest fear is that they will try to place a collection on my credit reports and I am filing this complaint to prevent that possibility as well. 

I have attached copy of letter I sent to Nelnet several months ago and copy of my Chapter XXXX information. These folks are despicable and need to be warned that they are breaking the bankruptcy law as well as illegally accusing me of a debt that I do not owe. 

Thank you.
XX/XX/2018 XX/XX/2018 {$0.00} {$81.00} {$25000.00} XXXX XX/XX/2018 XX/XX/2018 {$0.00} {$81.00} {$25000.00} XXXX XX/XX/2018 XX/XX/2018 {$0.00} {$84.00} {$25000.00} XXXX XX/XX/2018 XX/XX/2018 {$0.00} {$87.00} {$25000.00} XXXX XX/XX/2018 XX/XX/2018 {$5.00} {$87.00} {$25000.00} XXXX Payments are supposed to be Interest only currently and they magically start varying even after a 31 day month. They are improperly calculating interest.
XXXX to XXXX phones calls a day and sometimes using a number modulation to change their phone number saying different states
I received an alert on XXXX XXXX that I had a collection account on my XXXX, XXXX, and XXXX credit report. The company is called OAC and the amount is {$170.00}. I have never heard of this company and have not received any notices in the mail pertaining to this debt. I was not given the option to dispute the validity of this debt before it was placed on my credit report. I demand this account be removed immediately from my credit report. At least let me have the opportunity to dispute this alleged debt.
i wrote a certified letter to Kay Jewelers in XXXX XXXX asking them for any information and documentation proving the chargeoffs and lates for account ending in XXXX and they responsed in a letter to me they sold the account, it is no longer owned by them.and they have no info on me- they sold the account XXXX XXXX sent this letter to XXXX and XXXX in XXXX XXXX asking them to delete the account because they have no documentation to prove this alleged debt then.XXXX, XXXX put in a dispute and kay jewelers responded to the disputes stating it was accurate and to leave it on my credit report. i have disputed this account many times with XXXX, XXXX and each time kay jewelers states it accurate. IF this account is accurate then why cant they produce documentation to me. they have violated my rights under the FCRA also they stated they sold it in XXXX then why have they updated my credit reports charge off and lates as recent as XXXX XXXX XXXX each time they update it makes it seem like a recent chargeoff and my score goes down.
This is a utility service called XXXX that I have never opened or had knowledge of. This dates back to 2009 and XXXX reported as a charge off collection acct that is clearly past stature of limitations. This needs to be deleted immediately off my credit portfolio. Thus this is fraud that I was living in XXXX at the time. This clearley needs to be deleted from my credit portfolio
XXXX charges were posted to my Sam 's Club Credit card on XXXX/XXXX/16. Both charges were made at a XXXX GA gas station. The first was {$58.00}, the second was {$170.00}. I called the bank, emailed the bank, and wrote a letter to the bank disputing these charges. I received a letter from the bank that states in part, " ... you have notified us that there is no longer a dispute. '' I never notified the bank that there was no longer a dispute. Synchrony Bank provided me no evidence that they investigated this complaint, but merely dismissed it by sending the letter.
I applied for HELOC loan on my home in XXXX XXXX CA. with Chase Bank. I 've lived in the home for 19 years. My XXXX score when I applied was XXXX, I owe on the property XXXX. The appraisal of the house came in at XXXX which Chase gave me. My income is {$13000.00} a month which was verified. My loan to Value on the home is less than XXXX %, The requirement was could get an amount on the HELOC up to XXXX % of the value of the home so I could of applied for more than XXXX. I only applied for XXXX. The XXXX requirement was must be over XXXX. I was declined with no explanation then after inquiring and phone calls, I was then told verbally the reason I was declined was because my XXXX mortgage has a balloon payment at the end that is due XXXX. This is not relevant in that HELOC expires after 10 years which would be 2026, so I would n't have the HELOC at that time. I also explained that I make additional payments to my loan and that the balloon payment is greatly reduced because of that. I was asked what my demographic was for data purposes. I contacted Chase bank supervisor after decline to re-evaluate and tell me a valid reason and there was no courtesy of a response to my concerns. I have since gone to XXXX XXXX bank and it was a slam dunk approval and verification within 2 weeks since I met their criteria which actually had higher standards. I exceeded all of Chase banks requirements. The other requirement was 24 months of pristine perfect payments which I have had for many more years beyond that in the 6 year range.
Northwest Collectors Inc. has been calling my job 's main phone number using an automated message divulging information of a debt I supposedly owe for some traffic tickets to the switchboard operator for the company ; who is one of my subordinates ( I have attached the most recent phone recording from this morning ). This has been going on for several weeks. I do n't believe it is appropriate to be calling people 's workplace using an automated system that discloses information that they are a collection company calling about an amount owed for a specific individual.
Is there someone employed at XXXX XXXX that can give me AUTHORATIVE answers to questions I have pertaining to my XXXX/CitiMortgage Standard Modification Trial which was approved on XXXX/XXXX/15 by the servicer Citi? My approved rate they 've given me is 4.375 % for XXXX years with Citi also claiming no option to pay-down my {$20000.00} past due balance on top of my trial payments during the XXXX month period. I 've been getting the run-around by Citi on my right to get the standard modification published rate of XXXX ( clearly posted on XXXX ) and my right to pay down my past due balance during the trial period. These adjustments if considered and approved would each independent of the other save me a great deal of money when it comes time to calculate my final permanent modification at the end of the trial period. Local agencies such as XXXX XXXX or my local congress woman 's office have been no help because they lack authority on this matter.
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX.XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Bankruptcy : Discharged CH-XXXX.
EQUIFAX & XXXX XXXX XXXX did NOT provide me a HIPPA release that releases my medical information to Equifax, also this item was removed from my credit report then put back on my credit report under a new account number XXXX, I have all my record letter, therefore by providing such information they are in VIOLATION of my HIPPA rights also the FCRA..
Current debt collector is Credence RM. This was submitted to them for collection by XXXX XXXX XXXX. This is probably the 3rd or 4th collector. This has been removed from my credit report multible times yet only to reappear. The original dispute was for a cell phone purchased from XXXX & XXXX They sold me a phone knowing they did not have coverage in the area at the time ... not sure if there is coverage now..do n't think so. I have a written transcript from XXXX XXXX XXXX guaranteeing coverage in that area. When I could n't use phone I cancelled plan and the bill they are trying to collect is for cancellation fee. This is uite ridculous to sell a product knowing you ca n't use it!
I took out a student loan with XXXX XXXX during my tenure in school from XX/XX/XXXX-XX/XX/XXXX, total amount close to around 15K.  After graduation I was struggling to make ends meet with no job and a new XXXX. I called XXXX XXXX several times and sent in paperwork indicating I was not working. I was placed on deferment, respectively. I began working in XX/XX/XXXX and called XXXX XXXX and was advised that I needed to stay in deferment vs income driven repayment plan since my income was so low. I was provided unclear information and was told I would be contacted via mail. From year to year I would call and update my information and finances and would continue to be told I made under a certain threshold and to stay in forbearance. Around XX/XX/XXXX ( my birthday ), I called and my loan was no longer with them and I was directed to XXXX. Same as XXXX XXXX I would call and ask to be set up on a plan and I would receive the same information. It was at the time that I wanted to begin a payment plan as I was working directly in public service and was informed that I could pay on student loans under public service loan forgiveness and be forgiven after a certain time period. I would be given the run around and was even told at one point that my loans had been paid in full. I would always ask for documentation and nothing has been sent to date, even today. 
Recently, my grandmother gave me a call and I was informed that the Sheriffs office came to her home looking for me. I did some research and found that XXXX XXXX XXXX, whom I knew nothing about is sueing me and XXXX XXXX is the contact for for unpaid student loans and this is the first that I have heard of me being delinquent at all. I have no knowledge of either company until 5 business day ago. My student was not handled properly and I do not understand why I was never contacted. 
I was planning to go back to school and now this is all shocking and disheartening. Even today when I call XXXX they say my student loans are paid in full. How could that be? Now I am afraid of what will happen to me and my family as this lawyer is saying that I owe {$20000.00} and I must pay now and there is nothing that I can do about it. Why didnt XXXX perform their due diligence to give me a call and place under a repayment plan. I do not feel that XXXX XXXX nor XXXX  performed their due diligence to ensure that I was treated fairly as I wanted to be on income driven repayment and then public service repayment plan and they continuously recommended forbearance based off my low income. 
Please be advised that I have a new address however providing my old address as the law firm is making threats and I believe this can be handled without them having my new address. My email address and telephone number are up to date.
Here the nutshell version ... ... .My ( now ) ex-husband and I filed for divorce in XXXX, and I moved out of our house in XXXX that year. As part of the divorce proceedings, we also ended up having to file for bankruptcy which was finalized/discharged in XX/XX/XXXX. Shortly after that, believing that the bank would soon be taking over the house, my ex-husband also moved out of the house. Bank of America, the mortgage holder on the house, was notified of the divorce proceedings and the discharge by our bankruptcy attorney. B of A continued to send statements to us, requesting payment on the mortgage & home equity line. I made multiple calls, advising the bank of the bankruptcy discharge, and I faxed the Discharge Notice to B of A at least XXXX times over the next six or eight months because nobody seemed to have any notation of it in our file. This has literally gone on for years until I finally filed a complaint with the Consumer Financial Protection Bureau in XXXX XXXX. Once I filed the complaint, B of A " expedited '' the processing of the discharge and it seemed like everything was going to move along swiftly. When there was a lull in the processing, I filed a XXXX complaint with the Consuer Financial Protection Bureau ( in XXXX XXXX ), and B of A seemed to get back on track. However, B of A STILL has not completed this matter. I really do n't know what else to do ... .... I 've tried contacting a couple attorneys to get some help, but nobody is interested in taking this on. I 've also contacted the XXXX who says they ca n't do anything .... B of A continues to drag their feet, and I am feeling like this is bordering on negligence on the part of the bank. Nobody seems to know where I should file any type of formal complaint against the Bank - who does Bank of America answer to? There must be some governing body that they report to .... What are my options at this point? How do I get the bank to actually expedite and finalize this matter?
ATG Credit calls my office weekly for a person unknown to me XXXX XXXX XXXX - last name may be misspelled XXXX. It 's a disruption to my business. I spoken with a representative to advise them they are calling a wrong number. They were inconsiderate and continue to place these calls. I have records of the calls and saved voice mails.
I have mailed Experian several times stating over and over again that I never had a previous address of  XXXX   XXXX   XXXX   XXXX  ' or whatever it was as listed on my Experian credit report. This is an address in  XXXX , GA.     The problem is, I have NEVER LIVED in  XXXX , GA. I did a quick Intelius search for myself  XXXX   XXXX   XXXX  and found ANOTHER  XXXX   XXXX  currently living in  XXXX   XXXX  GA.     For my personal listing, it DOES list  XXXX , GA along with  XXXX , WI  (  my actual residence ) as a 'residence, ' but this is because fo r 1.5 years I  worked for a company called  XXXX ,  XXXX   XXXX   XXXX   , G A, except I did it VIRTUALLY ( telecommuting ). When the company sent out my tax forms, they mistakenly sent it to my current address,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX  GA ' and not,  XXXX   XXXX   XXXX  WI. ' This is the only explanation I can come up with for why the address is on there and also listed on Experian 's credit report for me.     I have asked them to remove other iterations of Atlanta-based addresses on my credit report, and they complied. It was basically different versions of the same thing  XXXX   XXXX   XXXX   XXXX , ' or something to that effect. I have NEVER LIVED in  XXXX , so I would like them to remove it now. I have already mailed them  tw  o lett ers about it and they have responded back with something like 'we use different bureaus and reporting methods to check accuracy. '  XXXX . They are using the address of an old employer 's tax forms and am sick and tired of their  XXXX  because upon looking online to other credit reporting forums, I see that others have tried to get their addresses removed from Experian as well and had no success.     Experian does n't seem to understand that creditors trust you based on how long you have lived at an address. I lived at my current address for 18 years (  XXXX  ), then went to college in  XXXX   XXXX  until   XXXX  , then moved back here to the same address I started with (  XXXX  Present  ). I do n't see how  XXXX  hard this is for them to get through their thick skulls. If they want to play these games the next step is I 'm suing them for violating the FCRA.
loan XXXX Ocwen is the servicer and refuses to help modify the interest only loan that was given erroneously years ago. 
It was a bad loan from origination. 
I've sent in requests over and over again Ocwen is pulling my credit without my authorization causing my credit score to decrease. 
I have never given them authorization to check my credit score
I received my free credit report from TransUnion in the mail on XX/XX/18. Started my disputes online on XX/XX/2018. After I submitted my online dispute the generated message from TransUnion shows my dispute estimated completion date as XX/XX/2018. This date I was given is exactly 60 days from the date I filed my dispute. By law of the date would be a FCRA violation of my rights. A CRA has 30 days to make its determination, the law states the CRA will have an additional 15 days if doucuments are submitted with the dispute. Under FCRA 623 ( b ) ( 1 ) the estimated time is in which TranUnion gave me to complete the dispute is in clear violation of my rights. If TransUnion fails to comply with the law and resolve my dispute in a timely manor I will file a complaint with my Attorney General.
I rec 'd a loan from dollar quick in XXXX XXXX loan was for XXXX. last month I revoked my authorization for any funds to be withdrawn from my bank acct ( XXXX, XXXX, hi. ) I asked for balance on acct and how much paid to date. they did n't respond to me. They ignored the revocation and went ahead and took money from my acct XXXX. I asked for my money back and again balance, amt pd and mailing address so I could just mail in payments. to date they still have not responded to my request. their phone # is XXXX pls help me here. thank you XXXX XXXX
send XXXX, Equifax and XXXX  a dispute for XXXX XXXX XXXX, XXXX Acount number XXXX and another account XXXX I asked for Contact seeing they own the Debt with my Signature also for Validation of the debt Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :
Last XX/XX/XXXX, I spoke to Nationstar about trying to catch up on late payments. I spoke to XXXX XXXX, our Dedicated Loan Specialist, about this matter. She was supposed to take the payments over the telephone as I was unable to go onto Nationstar 's website and make them from there. I called her in XX/XX/XXXX and made a {$2300.00} mortgage payment. We discussed the next payment being made in XX/XX/XXXX I e-mailed and called her numerous times to let her know I was ready to make another payment. She did n't return any calls or e-mails, much to my dismay. Therefore, we got more behind. 

XXXX XXXX, our new Dedicated Loan Specialist, called and asked when we could make another payment. I asked if XX/XX/XXXX 's payment was received and she stated it was not. She went onto say it was more important to get caught up and research would be done to find out where and why this payment had n't been posted to our account.
My Data was hacked per Equifax Credit Bureau, I had to go through an indepth process to try and limit further damage. I waited on the phone for long times to accomplish this. The other KEY of this problem is that EQUIFAX WAITED FOR MONTHS to advise THE CONSUMING PUBLIC OF THE BREACH OR HACK OF DATA. 

EQUIFAX HAD A DUTY TO PROTECT CONSUMER DATA, AND THEN IF BREACHED TO ADVISE US IMMEDIATELY, THEY DID NEITHER. SUPPOSEDLY, SOME WITHIN EQUIFAX IN FACT SOLD THEIR STOCK HOLDINGS PRIOR TO TELLING THE PUBLIC OF THE BREACH TO MINIMIZE PERSONAL FINANCIAL LOSS. THIS IN ITSELF IS " CRIMINAL ''. 

I WONT THEM HELD ACCOUNTABLE, I HAVE NO IDEA OF THE DAMAGE DONE UNTIL I START SEEING ACTIVITY. XXXX. XXXX
DEBT COLLECTOR : APEX ASSET MANAGEMENT XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX AMOUNT : {$290.00} XX/XX/XXXX I FILED A DISPUTE FOR THIS DEBT. I EXPLAINED TO THE DEBT COLLECTOR THAT THIS WAS NOT MY ACCOUNT AND I DID NOT OWE THIS DEBT. I SENT A LETTER ALERTING THE DEBT COLLECTOR THAT TO PRODUCE DOCUMENTATION THAT STATES THIS DEBT IS MY DEBT. I CALLED TO FIND OUT THE STATUS OF THIS ACCOUNT SINCE I FAXED THE DEBT COLLECTOR PROOF THAT I DID NOT OWE THIS ACCOUNT. AFTER SPEAKING TO THE DEBT COLLECTOR I WAS INFORMED THAT THE DEBT WAS FOR XXXX XXXX XXXX. I HAD A XXXX XXXX ACCOUNT FROM XX/XX/XXXX-XX/XX/XXXX. I SENT IN PROOF THAT I HAD MOVED IN XX/XX/XXXX TO A LOCATION AN HOUR AWAY FROM THAT SERVICE ADDRESS, WITH A COPY OF MY LEASE FOR MY CURRENT ADDRESS DATED XX/XX/XXXX, AND PROOF OF NEW CABLE SERVICE THAT WAS INSTALLED AT MY NEW RESIDENCE ON XX/XX/XXXX. I CALLED XXXX XXXX XXXX TO NOTIFY THEM THAT I WAS MOVING ON XX/XX/XXXX AND ASKED THEM TO STOP SERVICE AND THEY SAID THEY WOULD AND THAT THEY WILL PICK UP THEIR EQUIPMENT. I DID NOT HEAR FROM THIS CABLE COMPANY AGAIN. I PROVIDED DOCUMENTATION TO THIS DEBT COLLECTOR THAT PROVED I LIVED AT MY CURRENT RESIDENT SINCE XX/XX/XXXX AND HAD XXXX XXXX XXXX XXXX. THE DEBT COLLECTOR STATED THAT XXXX XXXX XXXX HAS MY ACCOUNT WITH THEM CLOSED ON XX/XX/XXXX. I INFORMED THE DEBT COLLECTOR I DID NOT USE XXXX XXXX XXXX SERVICE AFTER XX/XX/XXXX AND THAT THE AMOUNT THEY ARE ATTEMPTING TO COLLECT IS NOT MINE. XXXX XXXX XXXX COULD NOT FURNISH PROOF THAT I WAS LIVING AND USING THEIR SERVICES AFTER XX/XX/XXXX AND THE DEBT COLLECTOR SAID THEY WILL CONTINUE TO ATTEMPT TO COLLECT THIS DEBT, EVEN THOUGH I SENT VALID PROOF THAT I COULD NOT HAVE BEEN USING XXXX XXXX XXXX WITH DATES. THIS IS UNFAIR TO ME BECAUSE I SQUARED OFF MY ACCOUNT WITH XXXX XXXX XXXX SINCE XX/XX/XXXX. THEY SHOULD NOT HAVE CONTINUE SERVICE AT MY PREVIOUS ADDRESS AND THEN HOLD ME ACCOUNTABLE FOR THIS BALANCE. THIS IS RUINING MY CREDIT AND IS SIMPLY JUST UNFAIR.
Collection Bureau Services Inc, XXXX XXXX XXXX XXXX, MT XXXX This collection agency did not report back the account information I requested.
I had to claim bankruptcy and w as discharged back in  XX/XX/XXXX . Af ter that we moved from  XXXX  to  XXXX .  XXXX   utility company was  included in this BK. This past month I get a collection on my credit report with   XXXX   XXXX   for {$560.00} with original creditor being  XXXX  and opened   XX/XX/XXXX . We   have not lived in   XXXX    ( wh ere  XXXX  is provided ) sin ce  XX/XX/XXXX a nd they were included in the Chapter  XXXX  bankruptcy. Their only contact was this collection put on our credit report. It states their information is   XXXX   XXXX   XXXX   XXXX     WA  XXXX . I ca n't even do a certified letter to them as they only have a  XXXX   XXXX   .
My credit report contains information from the XXXX. There are XXXX annotations on my credit report, XXXX indicating a reposession and another indicating a charge off. The last payment on either account was greater than 7 years ago. The account indicating reposession shows a last payment date greater than 7 years. The account indicating a charge off has a last payment date within 7 years ; however, no payment was made within 7 years. The accounts should have been removed from my credit report.
On XXXX/XXXX/XXXX i received a call from XXXX from the number XXXX, the caller said he was calling about a debt from XXXX and when i asked for more info or to send me something over the mail he laughed and it said i was in position to demand anything and they were going to sue me. I hung up and then he called my employer asking him how it was possible he would employ someone like me? I called them again and he just said he had every right to do what he did because he called my work number and not my personal number. A guy by the name of XXXX XXXX XXXX promised to look into the issue and all he did was have the first caller call me again to work, thats 3 times in one day.