WillisBack/dataset-financial-user-claim huggingface dataset:
The Owner of the company I work for was sold an advertising product from " The XXXX '' They made multiple unauthorized charges to his account under different names. He canceled payments to the unauthorized charges. They said they sent it to collections. We called the number on the XXXX web page and they said they were A & S collections. We told them the charges were fraudulent and they called us repeatedly over and over even after we told them it was harassment. they yelled at us to shut up. They told us they were going to take us to the supreme Court. We told them to go ahead and they continued to call us. The phone number from the A & S collections website takes you to XXXX students hotline. The web addresses are : XXXX and XXXX The phone number listed on Insulation network is XXXX The phone number of the individual that repeatedly called and harassed us is XXXX She said her name was XXXX The phone number listed on A & S collections page is XXXX which as I said is a phone XXXX. They also pretended to be a different company having to do with spray foam with a different number and it was the same person on the phone that number was XXXX and the website for that one is XXXX
Earnest money {$1200.00} XX/XX/XXXX Inspection {$300.00} XX/XX/XXXX Appraisal {$450.00} XX/XX/XXXX Repair on the house that they told me I have to do it before the closing {$480.00} I call them and complain about what happen with the company. homestar financial corporation Georgia I told them that the loan officer XXXX XXXX branch manager of XXXX Georgia mis lead me. He told me I was pre-approved for {$150000.00} but never gave me a pre-approval letter or denial letter. After 7 months working with him he tells me I cant buy the house because I was never approved. So he told me to sell my car XXXX XXXX XXXX and he would give me {$2000.00} credit. He made me a fake bill of sale letter saying I sold a car I told him I got {$5000.00} cash for the down payment. He told me I cant used cash its got to in my bank account thats how he came up with the fake bill of sale. I have the text showing that he tells me to sale my car and tell me about the fake bill of sale.
Under the FCRA, Credit Reporting Agencies ( Credit Bureaus ) must provide a copy of the verifiable original credit or documentation. 

Since they can not provide proof of verification to me in the form of a physical contract document, per my request, then the account is considered " unverified '' and under the FCRA all unverified accounts must be deleted. 

Section 609, Page 35. The bureaus are required to disclose to me exactly what documents are stored within their computer base that were used to verify the information that is being reported about me. 

Page 37 ( 2 ) ( E ) a statement that a consumer reporting agency is not required to remove accurate derogatory information from my file unless the information is outdated under section 605 OR CAN NOT BE VERIFIED. 

Basically, I have requested twice for the account to be " properly verified '' and as of today the only thing the reporting agency can say to me is that it has been verified electronically through EOSCAR system. That is in violation of Section 609 of the Fair Credit Reporting Act. 

This is my complaint and that is why I need your help to get XXXX Account # XXXX DELETED from my credit file. 

Enclosed please find papers relating to this complaint. 
Sincerely, XXXX XXXX XXXX
instead of lowering my payment when I got behind the bank got me a modification and raised my payments plus hassle me on the phone.
I had a property in XXXX, Oregon with a mortgage with XXXX Bank of XXXX. An XXXX Deed was filed on XX/XX/XXXX. Per the recorded XXXX Deed ( deed in lieu of foreclosure ), the bank owned the property as of that day. XXXX XXXX Bank XXXX Indiana sold the mortgage to XXXX Bank. XXXX Bank ignored the recorded XXXX Deed, and proceeded with foreclosure of a property that is already owned by the bank. I attempted to contact XXXX all XXXX credit bureaus multiple times, and was unsuccessful in getting any of them to respond and properly report the mortgage status on my credit reports. It took XXXX XXXX YEARS to finally finished the foreclosure of a property they already owned in XX/XX/XXXX. At that time, the credit bureaus updated my credit report ( 5 years after the recorded XXXX Deed ) that the mortgage was foreclosed. The incorrect handling by XXXX and the XXXX credit bureaus have caused significant impact to my credit standing and ability to obtain loans.
Rush card will not activate my card they keep transferring me than hanging up on me I have been on the phone for hours I do n't feel it fair I need my money that they are holding I 'm forced to go to payday loans to pay bills and get gas to to work and feed my family I ca n't get my medicine no moneys
I have recently been informed that there is negative information reported by XXXX in the file Equifax maintains under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing for a closed unpaid medical collection account ( account # XXXX ), opened XX/XX/17 in the amount of {$73.00}. 

My address should read : XXXX XXXX XXXX XXXX, XXXX, PA XXXX. 
TAKE OFF XXXX XXXX IN MY ADDRESS. I DO NOT LIVE IN AN APARTMENT
I am having trouble XXXX my mortgage company, Nationstar. 
I am accusing them of purposely losing payments so they can charge me late fees and make me lose my home. They lose notes, comments, communications, written paperwork ... thye force place insurance when you have it paid in advance for one year just so they can tag a premium delinquency on your acct ... ... thereby putting all of your now " short '' payments into a suspense account ... .this now goes on your credit as delinquent payments. I pay my own insurance myself, yet they say they have paid it since they have had my loan. Please help
Sent CEASE AND DESIST letters and reiterated on a taped telephone call demanding ECMC cease and desist. I Filed Chapter XXXX Bankruptcy which has been discharged. ECMC 's representatives harass me on a daily basis. Calling from various numbers multiple times throughout the day, outside collection hours, and they have contacted XXXX parties regarding this issue.
Received a statement from XXXX XXXX XXXX regarding a legitimate debt for XXXX services on XXXX/XXXX/XXXX. This will be paid in full before XXXX/XXXX/XXXX. 

On XXXX/XXXX/XXXX at XXXX they called. This is outside of the time frame allowed.
To Whom it May Concern : My complaint is against my loan service providers XXXX and NELNET. XXXX ( XXXX XXXX XXXX XXXX NY, XXXX. ) recently transferred my loan to NELNET. XXXX XXXX. XXXX XXXX XXXX, Nebraska XXXX ). I received a letter stating I was 75 days past due on my account. XXXX previously approved both an unemployment deferment and an income based deferment. Therefore I am disputing the status of my account ant the amount owed.
On XX/XX/XXXX a cashiers check for {$11000.00} was mailed to XXXX XXXX XXXX from XXXX XXXX XXXX to payoff my auto loan. They recieved the check and cashed it on XX/XX/XXXX. XX/XX/XXXX an additional payment of {$500.00} was sent from my checking account automatically by XXXX XXXX XXXX. At this time, the loan is paid off, but Exeter has not returned the {$500.00}. I have called the company on several occasions. The company admits they owe me the money, but does not seem to be able to return it to me in a timely manner. The offshore call center customer service is a collection center and is ill equipped to help customers with any other problems.
Equifax has disputed XXXX XXXX 3 times or more for me since XX/XX/2017. I'm finally putting my foot down. I exercised my Fair equal credit rights & was rerouted several times getting different results. I asked the representatives to provide me with the exact information that XXXX used to authenticate me to Equifax & several could not find notations addresses or anything. The last representative was asked the same thing and lied using the information I had used while being pre screened or verified. Funny thing is they sent me my most recent credit file to a Ky address that could not be saved unless requested in writing. He took no time to blurt out my old Ohio address thats been on my file for many years ago. Equifax allows minimal informations for debt collectors because Equifax sold them this information in the first place. Equifax needs to have criminal charges filed for violation of my rights after trying to exercise them here in the United States. XXXX  & XXXX   removed this account in question several hours after the dispute. Equifax refuses no matter what I do to prove they are wrong which I have done multiple times lately.
Rush card holder my direct deposi was sent rush on XXXX XXXX 2015 an as of to have received my funds on my card
I run   XXXX   XXXX   XXXX   to foreign countries. In  XX/XX/XXXX  this year I took  8  photographers on a legal people to people tour of  XXXX . One of the group sent a wire transfer to my account at Bank of America from  XXXX  and mentioned  XXXX  in the transfer. I never received the funds. When I followed up on XX/XX/XXXX    I was told that the funds were under review. I continued to follow up every few days but I was never allowed to speak with anyone who was involved with the process. I have still not received the funds. This was a legal visit to  XXXX  under a people to people license and absolutely no money was either sent or received from  XXXX . All payments were made through a licensed operator in  XXXX . This can so easily be verified looking at my account transactions.  <P/>  2 weeks ag o, without informing me, my bank account was frozen. On   XX/XX/XXXX  I s poke to someone in the small business department and he told me I could still use my business account. I had already sent out several checks on that account. I also made a transfer to my daughter who needed the money. On Tuesday I get a call from my daughter in tears saying that the payment to her account had been reversed. Again without informing me, my business account had been frozen. I 'm now left with no money, several bounced checks and I have yet to receive an explanation why this has happened. I 'm told I have to present proof of residency although I have lived in the USA for 38 years. I spoke to the bank 's compliance department when I first received a letter asking for this information and I was told they had all the information they needed. This was before my first account was frozen. After the freeze I sent the information as hard copy and still the problem has not been resolved and I still have no access to my money. This is now extremely serious but the people I speak to at the bank appear to have little concern for my situation. They just tell me it 's under review and to call back in a couple of days. I 'm frustrated at not being told what I am thought to have done wrong and how this can be expeditiously remedied. I am never allowed to speak with anyone actually dealing with this case. I ca n't pay my rent, health insurance, phone bills etc. This is an extremely serious situation.
Payment made on XX/XX/2018 to mortgage company in the amount of {$1800.00}. This payment was for the due date XX/XX/2018. This payment was credited to XX/XX/2018. 

A mortgage servicer took over the mortgage. 

The payment due XX/XX/2018 was made on XX/XX/2018 to the mortgage servicer in the amount of {$1800.00}. The mortgage servicer credited this payment to XX/XX/2018. 

Numerous attempts ( 13 phone calls and 3 emails ) have been made to get the servicer to apply the payment made on XX/XX/2018 correctly. To date, they continue to say " it is being researched ''.
XXXX XXXX XXXX IS REPORTING THE ACCOUNT # XXXX WITH OUTSTANDING BALANCE, WRONGFUL DATE OF EXPIRATION AND REPORTING THIS AS A REVOLVING ACCOUNT WHEN IT IS A MORTGAGE. ACCOUNT IS TOO OLD TO BE ON FILE HAS PASSED A 7 YEAR STATUTE OF LIMITATIONS AND IS IN VIOLATION OF FCRA RULES AND REGULATIONS REMOVE THIS FROM MY REPORT IMMEDIATELY AND ACCORDINGLY I HAVE CONTACTED XXXX XXXX XXXX SEVERAL TIMES WITH NO LUCK, NOW THEY HAVE CHANGED THE STATUS OF THIS ACCOUNT TO FORECLOSED WITH EXPIRATION DATE OF XXXX WHEN IT WAS REPORTING XXXX OF XXXX AND THEY ARE REPORING SAME ACCOUNT DIFFERENTLY TO THREE CREDIT BUREAUS ... THIS IS A VIOLATION OF FAIR CREDIT REPORTING ACT AND A VIOLATION OF FAIR COLLECTION PRACTICES. I 'M DEMANDING XXXX XXXX XXXX TO DELETE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY IN ACCORDANCE WITH FCPB AND FTC RULES AND REGULATIONS
With the assistance of   XXXX   XXXX   XXXX    financial c ounselors I received a Federal Family Education Loan Program ( FFELP ) for {$56000.00}. Payments started   XX/XX/XXXX . Ne ver missed a payment, have paid fo r 10 ( almost 11 yrs ) . I am a   XXXX   XXXX   but was told I do not qualify for loan forgiveness because this was not a " direct loan ''. Yet, I owe {$40.00},  XXXX  still on the loan, after paying {$27000.00} in interest and {$16000.00} on the principle. I have paid {$44000.00} on {$56000.00} and still owe {$40000.00} and even though I qualify for loan forgiveness based on payment history and vocation. I am  XXXX   XXXX   XXXX  and will retire in   XX/XX/XXXX   with 31 years  of   XXXX   XXXX  .  This was to my understanding a Federally Funded  Loan Program or is the title  meant to be misleading. No wonder people just give up and default.
Equifax and XXXX have been notified that an old Georgia tax lein, file in XXXX XXXX Georgia, has not only been paid in full, but is also released, but is also past the statute of reporting on the CRB. However, these two companies are damaging my efforts to move on, they are making me die inside, they are holding this item on my credit report and refusing to remove it.
I contact the company XXXX XXXX XXXX XXXX last year to let them know that the correct information was not shown paid and settle and they still have not put the right information on the credit report Experian
Called XXXX, XXXX on XX/XX/XXXX, on or about XXXX pm, to report XXXX payment will be late do to circumstances beyond our control and that payment will be made on or before XX/XX/XXXX. I asked that the missed payment not be reported to the credit bureau. I asked for discretion in this matter. The agent stated that by law, the missed payment must be reported. I disagreed and asked to speak to a supervisor. A person came on the line that was extremely belligerent, argumentative and unkind. He spoke over me and scoffed at the idea of good customer service. I questioned whether he was a supervisor because of his demeanor and asked for his name. He said his name was XXXX and then he spelled his last name as " XX/XX/XXXX '' Essentially, he told me to XXXX XXXX. He threatened to liquidate my home for the missed payment because he said the missed payment indicated I could not afford to repay the loan, so they would have to take the house. I indicated that since we have been in the XXXX modification progam, this was the first missed payment. He said he did not care. I asked that the missed payment not be reported because we will be making the payment soon. He said it was a federal law that it had to be reported. I asked what law was that. He said I had to do my own research. Mean while he was yelling and very hostile and talking over me. He also was very offensive. I would like the recording reviewed and he be dealt with appropriately. I would also like an apology for the offensive behavior. Further, I would like the reporting to the credit bureau of the missed XXXX payment waived. The payment will be made on or about XX/XX/XXXX. There is a discrepancy with the wages the payment will be made from and we will not have access to it until on or about XX/XX/XXXX.
I was mailed a letter onXX/XX/XXXX stating my account was written as a charity write off. The account specifically says the account is considered closed. 7 months later XX/XX/XXXX they are saying the account is delinquent and now its on my credit report. They said in order for it to be removed I need to pay an additional {$15.00} which is unfair and the account was never supposed to go in collections.
LexisNexis has wrongly reported to XXXX XXXX XXXX XXXX XXXX erroneous information which has impacted in a negative way my so-called insurance score. I ahve requested multiple times from LexisNexis to receive my credit report under the reference number XXXX. They have refused.
Debt was paid on XX/XX/XXXX, received court summons on XX/XX/XXXX. On XX/XX/XXXX contacted XXXX XXXXXXXX XXXX XXXX placed the call at XXXX, was transferred multiple times and talked to XXXX XXXX who placed me on mute and ignored me. Before doing so XXXX advised the account is closed and paid in full but can not tell me when a dismissal was sent but it was sent. Im being sued for a debt that has already been collected, and they refuse to issue the dismissal to the court and told me to call to dismiss. I can not dismiss this court case now I have to waste my time going to the court house to defend myself against this debt collector who wants to collect twice.
I lost my husband XXXX yrs ago and qualified for a loan mod XXXX program my payments were more affordable and I was able to stay in my home In my loan balance at that time was XXXX when the loan mod was finalized my principal went to XXXX. They placed XXXX on the end of the loan as a balloon payment. I ran into some health issues starting about a year ago and became behind I tried talking to them but the cash demand was more than I could afford. I have tried XXXX modifications and denied each time because with the new modification they are only allowed XXXX on the end of the loan making to XXXX. They have denied my payments since XXXX and now want XXXX to bring current and an additional XXXX for late fees and charges for an appraisal and someone taking pictures of my house and car in driveway. Making sure I have n't abandoned the home. I do not even want a payment decrease just help getting caught up. Not sure where to turn Even if I pay interest only for the behind amount but they say no theres nothing they can This has been a nitemare. Everytime I talk to them there a different amount usually higher
Hello Sir /Madam ( To whom it may concern ) I opened a checking account and a safe deposit box in Valley National Bank in around XX/XX/XXXX-XX/XX/XXXX which was closed XX/XX/XXXX-XX/XX/XXXX, And when I went to bank asking for the copy of the log book of access to safe deposit box, sales associate XXXX XXXX ( XXXX XXXXXXXXXXXX ) said they can not get it as its an old and closed account, as I know bank has to maintain the record for at least 5 years by law, and I need this information to provide it to court for some family dispute and its very important, is there any way CFPB can help me getting information for me. Thank you XXXX XXXX
1. Checking account was opened in XX/XX/XXXX for a student with parent on the account. 

2. XXXX protection was added to cover overdrafts. We do remember that money was transferred from this checking account to a place called XXXX. 

3. In XX/XX/XXXX we inquired about this " XXXX '' account that we saw on online banking that totaled about XXXX. Key Bank at the XXXX, WA branch stated " it 's your money '' and we withdrew that amount. This " reserve '' account was not closed. 

4. In XX/XX/XXXX a 'XXXX ' account was activated. However my credit report indicates this was opened XX/XX/XXXX. Key can not provide documentation stating they have records dating back 7 years only. 

5. We were unaware of any change from whatever was overdraft protection prior to XX/XX/XXXX since the process appeared the same, i.e. money was transferred from checking to an account for overdraft protection. Key Bank can not provide documentation of this and denies there ever was a cash reserve account. Key states that this account was approved by either myself or other account holder over the phone.
Seterus has manipulated my payments. During the last 12 months, instead of  XXXX  entries to my amortization schedule, Seterus proudly presented me with a  XXXX  page report with  XXXX  entries to my account. Criminals do this to launder money. They just need to adjust to the amortization schedule, go back to the principle and interest on the original loan, and report to the credit agencies my prompt payments This problem started when they failed to pay my real estate taxes, paid the balance twice which put me in a contrived deficit. The misappropriate escrow funds, misapplying my payments. These people are unable to process payments and should not be allowed to do so. If legal ethics were applied, they would be considered out of trust and be banned from practicing law.
This is the second time I have contacted your XXXX XXXX, Equifax, XXXX regarding the following information below. I am requesting that you promptly delete these addresses and inquiries immediately. I do not believe a proper investigation was done from my file through your office. My current legal name is XXXX XXXX XXXX please remove/ delete all variations they are incorrect. 
MY DOB IS XXXX My SS number XXXX MY ADDRESS XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX. 
I have been the victim of ID Theft and I wish all addresses other the the one above to be remove file my credit report I no longer live there and do not wish pre approved mail and ads sent to those addresses as I believe this is possibly what lead to my ID being stolen in the first place. 
I no longer live in XXXX XXXX and some has been using my ID and SS for account in XXXX XXXX. I had to file a report for the Unauthorized activities.
This is to follow up on Case number : XXXX. Since filing this complaint there has been no resolution. The treatment I have received from Navient is retaliatory. My original charges were based on predatory lending. I was forced into a payment plan that doubles my interest by capitalizing unpaid interest on my loan periodically and they failed to explain these terms clearly. I still have not been informed which payment plans do not have this hardship clause hidden within the terms. Now, my balance is completely out of control. 

The retaliation piece is that it took over 2 months after a request Navient Consumer Advocate XXXX manager to contact me to explain these plans, despite the fact that I insisted multiple times around XXXX that one contact me. ( Horrible, horrible customer service. ) After another month of phone tag I finally spoke with XXXX. I still am not aware how to avoid paying double interest, and the details of the different plans. In any case, the cost of living is out of control and the best payment plan he offered is impossible. I told him what I could afford and he was unwilling to work with me. 

I also asked for a statement from Navient CEO XXXX regarding how secret double interest payment plans falls in line with his mission statement that involves helping students reach financial success. Needless to say I have not heard from him. 

Furthermore they are extending the process and willfully inflicting mental distress by making me resubmit information I have already given them to allow me to go into this new payment plan, which I can not afford. 

Is the goal of Navient to force people to default on their student loans by being predatory a lender and servicer? This is literally threatening my financial life and it can not be legal.
The debt is supposedly a XXXX collection, but there is no overdue account at XXXX, nor was there. I interact directly with XXXX. My XXXX account has always been current.
XXXX is attempting to collect a debt that has a XXXX balance. 

They are misrepresenting this debt on my credit reports.