WillisBack/dataset-financial-user-claim huggingface dataset:
Two people one saying they were calling from " XXXX XXXX XXXX '' and another from " SKO Brenner '' repeatedly call my minor child to collect a debt she does n't owe. To make matters worse they call her at school during her final exams in violation of the FDCPA. They 've also called myself, her mom, who also does not have any debt.
I have disputed inaccuracies on my credit file. TransUnion refuses to investigate instead writing to me to say they need proof of my address ( s ). I have verified my address ' 10 times in 10 years with a copy of my drivers license, utility bill XXXX XXXX PAID receipt. TransUnion sends this letter in an attempt not to have to investigate my dispute. I have a US Postal XXXX XXXX for 20 years and a physical address for 12 years, I have sent proof many times. Again today.
I stored my personal items at a friend 's house because I was homeless for a few months prior to relocating to college in XXXX, FL. I went to XXXX  XXXX XXXX on XX/XX/XXXX in XXXX, FL to be added to my aunt 's checking account as an authorized user and was told there was an account on my XXXX report from Bank of America that was reporting fraudulent activity at an address I have never lived at ( XXXX XXXX, XXXX, GA ). I filed a police report in XXXX, FL, where I currently reside, because I suspect the tenant, XXXX XXXX of XXXX, GA, stole my identity, then used my information to open an account without my permission. The account was opened in XX/XX/XXXX, according to XXXX report. I attached my XXXX with my Georgia address, the only address I've ever lived. 
Bank of America Replied stating they would not remove the account and expected payment because an individual walked into the bank on XX/XX/XXXX and opened an account with my ID. 
My ID and SSN card was stolen, as I stated above, and even after I provided XXXX XXXX with the identity theft criminal report case number from XXXX Police ( XXXX  PD Criminal Report # : XXXX ) upon request, the account still has not been removed.
Hello, this is  XXXX   XXXX  and I had a concern regarding  XXXX  placing  a thirty  day late on my account in  XXXX  of  2016 . I was not supposed to be reported for this late, according to  a manager i  spoke with. I saw that I was and would like help to resolve this immediately please.     I had not received any statements and I had reported them lost or stolen to  XXXX . I was never late to pay a bill it was just that the statements went mission and unnoticed by my family. The representative I spoke with was understanding and told me no issues would come from this and yet I noticed a year and a half ago they did place a late on my  XXXX  credit reports and this has affected me terribly. This is not fair and not what was supposed to happen.
I made a credit card payment on XXXX XXXX, 2017 to my Regions Bank Credit card. The payment is being held indefinitely, and no one at Regions can give me a clear answer as to why and how long the hold will last. The account is about 3 months old, and I have never had a payment returned. Moreover, the payment was for {$5000.00} and the total credit line available is {$15000.00}. So, I do n't understand why the entire account is unusable while the payment is on hold. Obviously, the payment cleared from the XXXX XXXX XXXX account a long while back.
I received a negative credit report due to defaulted private student loans. Subsequently, I negotiated with my lending company and agreed to a full and complete settlement on XX/XX/XXXX. On XX/XX/XXXX, I formally requested ( via a letter from my lawyer at XXXX XXXX XXXX at XXXX University ) that the debt collection agency ( XXXX, XXXX, & XXXX ) update that information with all XXXX credit reporting agencies. 

As of Monday, XX/XX/XXXX, my XXXX credit report incorrectly shows my account with XXXX, XXXX , XXXX XXXX ( XXXX XXXX XXXX ). Visible are a " Payment History '' section, and Status Details reading " This account is scheduled to continue on record until XX/XX/XXXX. 

Likewise, as of Monday, XX/XX/XXXX, my TransUnion credit report incorrectly shows my account with XXXX, XXXX , XXXX XXXX in addition to a XXXX listing with XXXX. ( These XXXX listings pertain to the same loan which changed hands several times between XXXX, XXXX, and XXXX. ) Both of these accounts show as " open '' and " placed for collection. " My XXXX credit report was correct when I pulled it in XX/XX/XXXX. 

The Fair Credit Reporting Act creates a " duty to correct and update information '' for entities that furnish consumer information to credit reporting agencies. Because I paid a full and complement settlement of this debt, I am requesting that you assist me in ensuring all necessary changes to update and report this debt ( in all its names ) as paid, closed, and settled with all XXXX credit reporting agencies.
I am writing this complaint about Region bank that place an inaccuracy report on XXXX. When I asked for proof they kept sending information that happen back in XX/XX/XXXX which I had paid the fees, this bank decided to charge me an unnecessary fees total {$110.00}, they never paid any company on my behalf. There was a return check that was not paid. I had send them a letter but have not received any reply from them. I never denied not having an account with regions bank but I am dispute the fees they charge my account and force my account into XXXX. I do n't go aroung writing bad checks, no I owe this bank any money. They falsely charge my account inaccuracy fees. I am fighting for this injustice because I think it wrong for them to place false information on someone 's report. Overdraft fees for {$35.00} when I did not use the service is so dishonesty.
I signed for a loan, signing my mother 's name ( XXXX XXXX ) as a co-signer. I informed Navient that my mother never new of the loan. My mother saw XXXX accounts for Navient listed on her credit reports twice. She was extremely upset and I did admit it was XXXX loan not XXXX and I informed her it was for a third less than the amount in which she indicated. They have XXXX account as XXXX for the amount of {$63000.00} and account number XXXX for the amount of {$71000.00}. I do not know why they have the loan listed twice, it was only XXXX loan and it was no where near the amounts they have listed. She contacted the company several times and informed them that they had a mistake on her credit reports, they indicated she co-signed with me, She informed them she did not, she never knew anything about a loan, which I confirmed that is the truth. They are aware as she has also filed complaints and they still want to hold her liable for a loan she never authorized. She contacted me in which I apologized, during that time my father and brother were battling XXXX and I did not want to ask, but I did not have any right to sign her name. She informed me that I better contact them because she could not be held liable. I finally notified them over a year ago that she was n't the party who signed for the XXXX loan and informing them that my mother knew nothing of the loan and is n't responsible. They still have not removed these accounts from her credit reports. They have overcharged and imposed excessive fees and added an additional account that I never had.
Applied a credit card for common use and travel reward through XXXX XXXX to XXXX XXXX. Never received card, so complained but still could not get 2-3 months. But I got bill of {$69.00} for no reason just their fees. Call and closed account but balace still remain and kills my credit. After couple of tries, account has been closed but customer service can't help anything.
In XX/XX/XXXX, I opened a mortgage with XXXX XXXX XXXX for {$100000.00}. My monthly payment including taxes ( $ XXXX/yr ) and insurance ( $ XXXX/yr ) was XXXX per month. That payment remained the same from XX/XX/XXXX through XX/XX/XXXX. In early XX/XX/XXXX, the mortgage was sold to Mr. Cooper mortgage. When I received my payment information from Mr. Cooper, it had gone up by $ XXXX/month to $ XXXX/month! I called Mr. Cooper to discuss this and was told that my account was behind in escrow because my property taxes had gone significantly. However, I went to the county to talk to the tax assessor and was told that the property taxes only went up $ XXXX/yr. At this point, Mr. Cooper is saying that my monthly principle + interest is about $ XXXX/mth and my escrow is $ XXXX/month. There  is no possible way that I should be paying {$6000.00} per year in escrow. If my escrow account was behind, then XXXX XXXX would have told me that at the end of XX/XX/XXXX, or at the end of XX/XX/XXXX. That never happened. Instead, Mr. Cooper must be trying to skim money off the top of my mortgage.
I paid my car off XXXX XXXX with an overpayment of {$600.00}. Westlake financial services is refusing to send me the overpayment check. I have called and asked for it to be expedited and I am not getting any resolution at all. One manager XXXX XXXX said it would be done but the check was never sent. No where in there contract states there is a 22 business day waiting period for overpayments on payoffs.
This is from XXXX Hospital where my insurance says they double billed me & wo n't pay. 
So I have been making payments to the hospital. 

Therefore it should not be in collections.
Capital one is driving me crazy its been a while since I was already current but than again fall behind on my payments I have 3 cards with capital one and capital one has failed to contact me thru the phone to enroll me in a program that allows me not to have any more late fees the late fees are killing me as very month and due dates come by. And the interest fees too high I understand that the fees cant be waved and that u need to pay the bLance in full si in that way u wont have any interest fees.

Ive tried hard to contact them and ask them for assistance but I am sure that they dont care because as more the debt is the more fees I have to pay such As late fees so for every account theres been 5 late payments and the late fees have gotten me and driving me crazy why couldnt they stop the late fees when they knew I was fallen behind. Rather than working things out and put a stop in the late fees by enrolling in to the program my balance due for each account should have been lower at this point.
I am a XXXX XXXX XXXX veteran, service connected with XXXX and XXXX. 
I was employed through an XXXX where medical benefits were covered through XXXX California. My premiums were always paid and I never used my insurance. Until I was XXXX and XXXX was needed. The medical group pre-authorized the XXXX. The XXXX was scheduled and after the XXXX, XXXX XXXX XXXX California did n't pay out. Now the medical group sent this {$7000.00} debt to collections and it 's on my credit report. I ca n't even get a cell phone because of these negative accounts in collections. Somebody made an mistake and it was n't me. The medical group has money, the insurance companies have money, the collection agencies have money but they 're trying to stick the debt on the XXXX veteran.
In XXXX 2014, I completed a form on XXXX 's website to explore possible bundling of services for cable, internet, and phone. I never received a response to my inquiry so I elected to keep my phone and internet with XXXX and set up cable with XXXX. Later, a technician from XXXX came to my house. I was not at home and my young son opened the door and allowed him to enter our home. My son told him that his parents were not home. Shockingly, the technician stayed in my home with my XXXX year old son. The technician plugged a modem in our sunroom which resulted in us having no phone or internet service. I contacted XXXX immediately to report this travesty. An agent assured me that someone would come out to repair our service. XXXX never sent a technician. I continued to call XXXX many, many times about this problem. Each time, the agent told me that a technician would be dispatched. It never happened! Thankfully, XXXX was able to repair the damage caused by XXXX. I was furious when I received a bill from XXXX. Not only did I never receive any service from XXXX, but we had to pay XXXX to repair damage done by the XXXX technician. When I rightfully refused to pay XXXX any money, XXXX contracted with a collection agency. XXXX never followed up on any of my phone calls and never sent a technician to repair the damage caused by its techician. 

XXXX XXXX
Company will call with threats and have and will not say who they represent so I can confirm if the dbet is mine or legal I have asked the company to send validation of said debt.
I am enrolled in Public Service Loan Forgiveness ( PSLF ), and I have been making on time payments since around XX/XX/XXXX when I enrolled into a income based repayment plan. Since XX/XX/XXXX I have worked, full-time, for qualifying institutions for PSLF, except for a month and half in between jobs in XX/XX/XXXX. 

1 ) XXXX XXXX : XX/XX/XXXX - XX/XX/XXXX [ 24 months ] 2 ) 501 ( c ) ( 3 ) - XXXX XXXX XXXX : XX/XX/XXXX - XX/XX/XXXX [ 15 months ] 3 ) 501 ( c ) ( 3 ) - XXXX XXXX XXXX : XX/XX/XXXX - Ongoing [ as of XX/XX/XXXX -- 12 months ] I have worked for qualifying institutions for a total of 51 months as of XX/XX/XXXX. I have been making on time payments since around XX/XX/XXXX when I enrolled into a income based repayment plan. I have re-certified my payment plan each year on time. However, for some unclear reason, the Dept of Ed only calculates around half of these payments. I have requested formal review by a supervisor at the Dept of Ed twice, and they have still not cleared this issue up. Please help.
We were engaged by senior specialists of Wells Fargo / ASC and presented with a mortgage modification near the end of XXXX. The opffer was incredible in that it was reducing our interest rate substantially. Our only hesitancy of doing it was regarding any credit reporting issues during the process which was going to alter the terms of the existing mortgage. We were assured in no uncertain terms there would be no negativity reported. We agreed and the process went forward. Much to our chagrin, what we were told and what took place to this day of complaint is just the opposite. ASC had & continues to report derogatory payment history, false & inflammatory on my wife 's credit history which has diametrically damaged her rating & reputations. We tried every which way to communicate to Wells Fargo executive to no avail - we were stonewalled. We have a complete file including voice recordings of the calls and documents & PDF files to support our attempts - all to no avail. We pulled a free report this date from XXXX & XXXX! There was the negativity rating my wife in the " poor '' category reporting to XXXX XXXX, XXXX & XXXX, who all refuse to do anything about it citing it is Wells Fargo / ASC 's responsibility to do so. The following is only XXXX letter / FAX sent to ASC personnel to get this cleared up to no avail! I produced a XXXX report this date for the past 4 years - not XXXX missing payment - ever! Yet my wife 's credit is assaulted and her being defiled by Wells Fargo & ASC 's actions. 

TO : XXXX XXXX ; XXXX XXXXFROM : XXXX XXXX XXXXFax # : XXXXXXXXDate : XXXX/XXXX/XXXXSubject : Negative Credit ReportingDear XXXX & XXXX ; I need your help! Please find enclosed copies of the XXXX & XXXX reports reflecting negative credit reporting under my name by ASC. As you are aware & it should be well documented in the ASC files, this was the subject of major concern by me & my husband prior to my entering into the modification program. We were absolutely assured by you, XXXX XXXX XXXX & XXXX XXXX that absolutely no negative reporting was going to be made & yet here it is. 
I attempted to communicate through the email portal on your website. What I received was a response back regarding someone else 's account information & name. It appears that someone never advised the " system '' of the agreements & goings on with the modification. I am very concerned over the period of XXXX & end of XXXX. Some of the XXXX negativity will come off this year. It is the current year reporting along with incorrect figures & balances owing to these reporting agencies that has me very, very upset. I was told along with my husband that nothing of the sport would take place & yet it did. I did everything I was told to do by ASC and yet this has still occurred. 
Please review this & contact me at either XXXX or Cellular XXXX to discuss this and how quickly this oversight can be corrected to all three reporting bureaus. 
Sincerely, XXXX XXXX XXXX
This complaint is against Chrysler Capital. I have been paying {$300.00} every 2 weeks for a {$590.00} amount due. They advised that I did not receive credit until the entire monthly amount was paid in full. Even though my payments are made somewhat in advance, their " system '' does not recognize this. I requested that do not call and they advised I would be put on the " do not call '' list. They have continued to call ( 4 times ) after being placed on this list. Each time they apologize and say they were in error. Capital XXXX has violated the do not call agreement.
I have already paid them XXXX on a XXXX dollar loan I called for my payoff balance and they say I owe XXXX they never told me my interest rate before I got the loan!!! I never received any paperwork only my payments schedule
My name is XXXX XXXX XXXX. Under the FCRA Section 609 ( a ) ( 1 ) ( A ), Credit Reporting Agencies must provide a copy of the verifiable original creditor documentation if it is requested by you the consumer. TRANSUNION can not provide verification to me because I have not authorized any creditors to share my information. According to section 609 ( a ) ( 1 ) ( A ), in the FCRA all CRA 's must show proof of all reporting accounts on my credit report in the form of a physical contract document per my written request to do so - the account is classified as UNVERIFIED and under the FCRA - all UNVERIFIED accounts MUST BE DELETED. THIS ACCOUNT IS NOT MINE but whether the account is correct or not - makes no difference. If the CRA can not provide you physical verification of the account - it is an UNVERIFIED account and MUST BE DELETED. They are reporting information to my credit report in violation of section 609 of the Fair Crediting Reporting Act. They are also sharing UNVERIFIED information with creditors and potential creditors without being in compliance with the FCRA passed by congress. THEY ARE BREAKING THE LAW! I want all UNVERIFIED ACCOUNTS removed from my credit whether they are valid or not IMMEDIATELY from my credit profile!! TRANSUNION IS IN VIOLATION OF MY CONSUMER RIGHTS AND I WOULD LIKE THIS CORRECTED IMMEDIATELY. PLEASE CONTACT THEM AND HAVE THEM CORRECT THIS
I am writing to lodge a formal complaint about the theft of funds from my escrow account from my XXXX Mortgage. I had a previous mortgage with XXXX and did a cash out refinance with XXXX that was effective XX/XX/XXXX. 
When I received my final settlement escrow papers from XXXX XXXX XXXX there were extra fees include in it that was not disclosed in my signed Closing Disclosure Documents. Because of the additional fees, XXXX took the {$1400.00} from my prior escrow instead of refunding the amount that was in my prior escrow. I did authorize that to be done that way and I certainly did not agree to any extra fees that were not disclosed upfront. 
In my signed Closing Discloure Document, my loan amount was to be {$270000.00}, when I received the Escrow statement in the mail the amount is now {$270000.00}. I certainly did not agree to that amount. 
I have attempted to contact my loan servicers XXXX XXXX and XXXX XXXX at XXXX and neither of them has gotten back to me to discuss this issue. I also attempted to contact XXXX XXXX from XXXX XXXX XXXX about this issue and have not heard back from her. 
The tacking on of the additional fees and stealing the funds from my prior escrow represents fraud and outright theft.
Repeatedly calling me before XXXX XXXX. They know what time zone I'm in because I have received mail from them.. The most recent call was this XXXX at XXXX XXXX  from the number XXXX.
I received a call from an anonymous number from a person claiming to be a county process server in an attempt to collect a debt that I do n't think exists. I checked the name he gave against our Texas state roster of court appointed process servers, and did not find it. He also claimed that if I did not respond to the phone number he left, that I would be served at home or work the next day, which did not happen.
I had a auto loan with bank of America in which we agreed on a payment to close the account out after they sold the vehicle at a auction. they also stated if payment was made in go faith they would delete this item from all three credit bureaus I made the payment as agreed and this item is still reporting on all XXXX credit files. I contacted them and disputed several time but no success.
In XX/XX/2015, this company offered me a new credit machine for my store. When they came to install the new machine, they could never get it to work. Eventually, I became tired of dealing with the issue, and I asked them to come pick it up. Even though the equipment never worked, they refused to pick it up and continued to bill me for a service that I never used. I just do n't know how they can continue to bill me for a machine and service that never was operational. I have repeatedly asked First Data to come pick up their machine, or give me instructions on how I can send it back to them. They never do. They just keep sending me bills, and reporting this account as a past-due account on my credit report. That is not right.
I had a loan with Honda Financial Services since XXXX. I paid timely and was never late. I paid this loan in full in XXXX of XXXX. This vehicle was purchased with proceeds from the XXXX XXXX XXXX XXXX. So my obligation to Honda Financial Services ( HFS ) ended and the debt was completely liquidated at that time. I have documents to support this. 
After that fact, HFS paid an amount for vehicle taxes of approximately {$690.00} and sent me a bill. I did not agree that I owed that money to the taxing authority and liquidating that tax debt could undermine my ability to get it corrected by the taxing authority. I believe the tax was calculated incorrectly. Nevertheless I paid HFS but not after they reported me as being 30 days late on the account : an account that was paid in full. I never gave them permission to reopen the credit, nor to pay these fees on my behalf after they had no further right, title or interest in the property. I have been billed separately by the County of XXXX for taxes due on this vehicle. The amount paid by HFS is not a legitimate debt ; is related to a loan that was paid in full and they " reopened '' the credit, on a non-revolving account without my consent and without lawful authority. I sent a letter with return receipt requested with supporting documentation. The matter was removed from my credit at that time. It has since reappeared, so I asked that it be removed. Now Honda claims it is legitimate! This is a blatant violation of not responding timely ( within 30 days ), removing the item and XXXX causing its reappearance. 
Moreover, it is not a legitimate debt. I paid that loan in full in XXXX of XXXX. How can I possibly have been 30 day delinquent in XXXX XXXX. Please help me regain my good credit. Please guide me in any further recourse I may have against Honda.
I have attempted to satisfy my past due toll amounts with the XXXX  ( XXXX XXXX XXXX  ). While in communication with them, they informed me, Transworld Systems Inc was handling the collections. XXXX, stated they can not process the payment.

I proceeded to contact, Transworld Inc. At that time they informed me my balance totaled {$1300.00}. Of that amount {$170.00} was the " actual '' toll amount and {$1200.00} were " Processing '' fees.

As our discussion continued i asked Transworld if they " owned '' the debt. They informed me they do NOT own the debt and are just a collection agency.