WillisBack/dataset-financial-user-claim huggingface dataset:
First Financial Asset Management ( XXXX ) called me XXXX XXXX 2016 at XXXX Central time to collect on an alleged debt owed to XXXX Rental Car. I DO NOT OWE THAT DEBT! This concerned a car rental from the XXXX office in XXXX XXXX, CO at the airport XX/XX/XXXX-XX/XX/XXXX and was DISCHARGED BECAUSE THEY WERE ALREADY PAID THROUGH XXXX E-CERTIFICATES ( IN FACT, {$100.00} MORE THAN REQUIRED ). XXXX handled the dispute and credited my account since the e-certificates had paid for the rental.
on XX/XX/XXXX I wrote to you to inform you that you are reporting inacurrate information of about me on my credit reports. You claim that your clients XXXX, XXXX and XXXX both have the right to report an unknown and frauduently opened account on my never before used credit. I have not yet had the opportunity to use my credit and some one has opened an account that you and these companies have verified as owned. I wrote to both of these companis and requested full validation made pursuant to the Fair Debt Collections Practices Act and the Fair Credit Reporting Act along with the corresponding local state laws. 

My request to the bureaus XXXX ; XXXX XXXX and Equifax that I require validation that is competent evidence bearing my signature showing that I had some contractual obligation to pay. 

These collection companies have been reporting a frauduently opened account to the ( 3 ) reporting bureaus for nearly ( 2 ) yerars and have paid no attention to my request to validate because the information is incorrect. The collection agents have taken it upon themselves to continue to knowingly provide incorrect information about me to the credit bureaus and the credit bureaus will be delivering false information if they reply that this account is verified.
on XXXX a company by the of XXXX XXXX XXXX . opened an account in my name. I found out by checking my credit report. I have no knowledge of an account and why they would do this. I know i own XXXX XXXX dollars but that do not give them the right to open an account in my name. Which now has affecting my credit score. The company is located in XXXX   Fl. Please tell me what I need to do
XXXX XXXX XXXX IS REPORTING FALSE AND UNVERIFIABLE INFORMATION TO MY XXXX CREDIT FILE.
XX/XX/2012. I defaulted on my loan had my car repossessed so at the time I felt it was wrong for someone to charge me for something they took. The account still shows up on my credit report for a balance of {$3700.00} I'm more then willing to pay this if I get it removed from my credit report
We are in CH XXXX Bankruptcy. We are making our monthly payments on an interest only loan of {$3600.00}. When the bank applies the payment it only applies, {$2600.00} in interest and {$530.00} in escrow. Where is the balance of {$450.00} going? It does not show on the activity since your last statement. It is not going towards Principal. But when I look at the Payment Summary it has Interest, {$3100.00} and Escrow, {$560.00} which equals my payment. Also the Trustee is making payments. These are showing as debits on our account, not credits. Where are these payments being applied. Also where is my interest payment from my Escrow Account from 2016? We also overpaid our property taxes and this also showed up as debits on our account. An incorrect Escrow Analysis was done an a distribution of over $ 6K was made to the trustee. Now after I requested an Escrow Re-Analysis our Escrow Account is now short, and now our house payment has risen to {$3700.00}. I placed a call to the bank and was told that a court order was issued for the $ 6K from the Trustee found out that was a lie. I called the bank several times they kept telling me I could not talk to them because I 'm in Bankruptcy. I have sent the bank two letters requesting an accounting of my account. I can not even get an accurate XXXX for my 2016 taxes.
There's a fraud Alert because my phone number onfile with transunion is wrong it should be XXXX XXXX XXXX.
In XX/XX/2019 we paid {$8000.00} in order to put our equity >20 %. We wrote a detailed letter to the Caliber Escrow Dept. seeking elimination of PMI ( complying with their required BPO house value estimate, at a {$100.00} cost to us ) and also requesting elimination of our escrow ( we had done this with our previous house with XXXX XXXX because of similar problems ). We never received direct answers to these inquiries in our letter. We have repeatedly been given the run around, or canned answers that don't answer our questions. We are current on the loan and have never been even a single day late with our payment. 

Tired of the escrow abuse. This happened with our last house ( XXXX XXXX ) and is happening again with Caliber Home Loans. Currently, they are in receipt of {$2000.00} they initially paid to XXXX for home insurance ( they paid them but XXXX returned it because we paid it along with our auto insurance ). We believed we would be able to eliminate the escrow and pay taxes and insurance ourself. Also the PMI should be eliminated based on our paying {$100.00} for a BPO estimate. This of course ties into the escrow. If we pay insurance -- and we didn't even request reimbursement from the escrow for the {$450.00} flood insurance after Harvey we already paid for -- then without PMI too, the escrow amount should be around {$700.00} per month not close to {$1000.00} as it is now ( taxes of about {$8300.00} ). What is Caliber doing? Pooling everyone 's escrow to their benefit. There is no reason the {$11000.00} should sit in an escrow account without earning interest, especially when their calculation of the escrow is wrong.

Caliber from day one has gotten their end of the bargain -- timely mortgage payments of principal, interest and escrow. Also after Harvey we have maintained both homeowner 's and flood insurance. Now, we simply want the escrow to reflect accurately the account or, preferably, be eliminated as we are able to easily pay the year end taxes.
This company said they sent me XXXX letter over 15 months ago with information about a debt. I do not have record of it. After repeated attempts to contact them, they were purposefully withholding information about the debt from me ( telling me to contact my insurance or the physician ). They would not send me any more information without my first sending them a written request, even though they verified my identity on the phone. 

After multiple phone calls with them and disputes, they never returned my phone call. They claimed to have contacted my physician to see whether the debt was still outstanding, but never followed up with the physician or myself. Every month, they keep reporting that the debt is unpaid, even though it was paid before they received the collection request. 

They have terrible communication tactics, bad policies that do not make it easy for a consumer to obtain information about a so-called debt, and do the bare minimum ( of contacting people XXXX time then never following up ) on trying to resolve a dispute. 

They did not let me speak to a manager or someone who had authority to give me any information about the debt. If I ca n't get this resolved, it will cost me tens of thousands of dollars because it 's adversely affecting my credit score and I 'm applying for a mortgage right now.
ALLIED INTERSTATE LL ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear XXXX : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ALLIED INTERSTATE LL or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ALLIED INTERSTATE LL or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Credit card charging interest in cash advance for entire term of loan, not only until the amount of cash advance is paid. I do n't mind paying a separate interest on {$100.00} cash advance, but they are charging me a higher or the same interest separately for the entire term of loan.
In XXXX an account showed on my credit that belonged to someone else and not myself. I have tried to have it removed since. The debt has since been paid by the person that owed it but it still shows as a collection on my report.
This company is trying to collect on a medical bill that was a result of a workplace injury. Our corporate office made called the debt collectors, paid the debt, and advised them that it was illegal to collect on workplace injury claims. However, this company has continued to report the debt to the credit bureaus even though they say they have no record of me ever having anything placed in collections with them.
The fees associated with banking at SunTrust are exorbitant. The company is basically committing questionable legal robbery of their account holders. XXXX fee for each item from an overdrawn account and no reasonable amount of time to correct the mistake before being charged.
On XX/XX/2019 I got a Netspend prepaid card I used the card one time was waiting for them to send my new card XX/XX/2019 I got the new card I activated the card they said I only had XXXX but XX/XX/2019 I had put XXXX on the card I have call them at lest 10 time trying to get the problem fixed but for some reason they dont have any of my stuff right my Netspend app I have on my phone is right but they keep saying Im giving them the wrong number but the number I opened this card with is the only number I have then they keep hanging up on me they have sent me the wrong information on my online site and they are not trying to work with me the card numbers arent matching up
A state tax lien was placed on my credit reports for all 3 CRAs. The Lien does not meet the new reporting guidelines ( does not contain SSN or birthdate ) So I would like it removed from XXXX, XXXX and Equifax. I am in the process of filing amended returns on all of these as the original return was calculated incorrectly.
On XX/XX/XXXX I learned there may be a problem with my Mortgage serviced by Ocwen Loan Servicing. On XX/XX/XXXX Ocwen unnecessarily and incorrectly increased my Escrow payment due each month. Inexplicably, they backdated the change to XX/XX/XXXX. I have n't missed a payment. Even though Ocwen 's records reflect receipt of all my payments on time, this " glitch '' in payment history has caused a {$2100.00} Past Due balance. This is nearly 3 months payments, so I am now facing Acceleration. I am being charged late fees, Property Valuation fees and Certified mail for Default Notices. 
After Escrow analysis, my payment has actually gone down. It would also appear they owe me an Escrow Refund of approximately {$900.00}. The payment was too high for the past 2 years and never needed to be increased at all. 
Ocwen is not making any progress in correction of this issue. I have a " Relationship Manager '', however, I can only make appointments to be called. I had an appointment to be called on XX/XX/XXXX and was called to reschedule. My Relationship Manager was unavailable. The reset appointment was for XX/XX/XXXX and no one called at all. After waiting an hour I called to be given another appointment for XX/XX/XXXX.
Wells Fargo acting as the Servicer of this Mortgage has failed to meet all of its requirements under XXXX and is attempting to illegally foreclose on our personal home by selling it at auction on XXXX XXXX, 2015. The direct violation of XXXX law is based on Wells Fargo improperly and unfairly reviewing our loan modification request for relief. We have submitted a complete loan modification direct via fax and have been forced to resubmit the same package several times. In addition, Wells Fargo has repeatedly denied us help several times we never get a single person to answer our questions honestly or directly. They always have hundreds of people pass off our file amongst each other just to create motions and delays. We intend to keep our and we meet all eligibility criteria. They have never offered any help or relief and continue to threaten to take our home. Wells Fargo Mortgage illegally commenced and is conducting a foreclosure while reviewing and attempting to find work out relief options for us. They have mishandled documents and our file several times and failed to properly communicate with us. They have clearly violated XXXX specifically under the ''dual tracking '' clause. Wells Fargo instructed and allowed the Foreclosure Trustee named XXXX XXXX XXXX to illegally start foreclosure on my property. The Wells Fargo and Know Your Options website gave the result that we are eligible for a loan modification with a lower payment to save our property. So there is no reason why Wells Fargo should have denied our request or started foreclosure on our home.
American Credit Bureau , Inc. did not contact consumer about this bogus debt before it was placed on my credit reports. XXXX has verified this bogus account several times. This account is paid in full.
I disputed XXXX Inquiries for a credit line for an Auto loan with Equifax. These XXXX Auto inquiries were done on the same date therefore XXXX inquiries should not be on my report but only XXXX. I disputed that XXXX of the inquiries to be removed due to the rules of applying for an auto loan within time frame. The results were that XXXX inquires will stay on report.
I owe approximately {$160000.00} in student loans, both public and private. {$100000.00} of which I owe to SallieMae. They place my monthly payments at {$1300.00}. I have recently started a new full time position at a South Carolina state university. I make {$36000.00} annual. However, due to high income tax and mandatory healthcare ( I have the absolute minimum coverage that meets the Affordable Care Act ), I take home {$1000.00} twice a month. That means that just my SallieMae payments are more than half of income and if I made just my SallieMae payments ( not including my federal loans which are on an IBRP of {$69.00} per month ) I would have {$760.00} left to cover all living expenses. I have a 9 year old car, I have the minimum allowed car insurance, minimum cell phone plan, and currently do n't pay rent because I am living on a friend 's couch because I had to go 6 weeks without a paycheck after moving XXXX miles for this new job. SallieMae will only offer a forbearance at a fee of {$150.00} ( I have XXXX loans total ), which I can not pay. I will not in the foreseeable future ever be able to make these payments, but SallieMae does not offer to make an adjustment at all ( though I have read on blogs that if you run out of forbearance and still can not make payments, call the right number and speak to the right person this mythical experience could happen ). Some of my loans have a cosigner. My cosigner also can not make these payments as they care for XXXX-XXXX elderly family members who live in the home. I previously filed a complaint because after I paid for my forebearance " good faith fee, '' I continued to get collections calls for two weeks. The issue was resolved by an escalation team member who finally listened to me when I said that they had not connected my XXXX and XXXX loans, so I was still receiving calls about my XXXX loans, though all of them should have been placed in forebearance. 

I am simply seeking a solution that does not require me to file bankruptcy and destroy my credit. I am hard working ( I am currently seeking freelance work to boost my income just to cover my daily living expenses like food, rent, and gas ), responsible, and profession, but I am being treated like I am a criminal and delinquent. I was duped by SallieMae when our relationship started and it made it appear that repayment would be based on how much money I made after graduating ( at that time, I am unsure if they are still, SallieMae loans were marketing alongside federal loans that are possible to go on an IBRP ). I would love to make my payments and avoid all of this, but the American economy did not provide the incredible job opportunities that we were told we would have going into college. I just need a manageable way to repay my debt, and I wanted to see if there was a way before contacting an attorney.
I have disputed multiple times with XXXX, Equifax and XXXX regarding the inaccurate reporting of XXXX XXXX. Multiple account are being reported that are not mine. 

XXXX XXXX Opened XX/XX/XXXX {$150.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$150.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$150.00} Original creditor : XXXX XXXX
XXXX XXXX reorganized in XXXX for financial reasons and my loan was not accessible to maintain online payments and an online request was made to payoff the loan for approximately {$3000.00} via the XXXX XXXX XXXX website. 7 years later, XXXX 's attorney XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX garnished my pay for more than the remaining balance due on the loan totaling {$4400.00} as of pay period endingXX/XX/XXXX. I filed an Exemption with the Court system on XX/XX/XXXX because I am a Single Mother of XXXX children, whose eldest is XXXX XXXX and my income is the only means of support for my children. If XXXX XXXX received a bailout, restructured, making my account inaccessible for payoff, how is it legal for them to gouge in access of the balance due several years later jeopardizing the welfare of my children and negatively impacting my credit?
banking promotion is not applied although all conditions met, incorrect information relayed through secured messaging. At times I 'm referred to their internal marketing area? not sure why I need to contact them. Requested escalation and referred that I visit the local branch which is not convenient to visit -I commute for work.
My bank issued an overdraft statement from my checking account at Bank of the West in 2011. I called the Bank of the West and told them their was an error. They told me that the amount I owed was credited to me and I did not owe them any money and that the error was corrected. By mistake, they then sent the original amount I owed of {$360.00} to a collection agency. I called them and sent them a copy of my bank statement showing the credit. I phoned the XXXX and they told me they do not negotiate any debt no matter the circumstance. I ask that you investigate their collection practices and have them remove this item deleted from my credit report. I ask you to publish these results and publish the name of the XXXX XXXX XXXX under scam public knowledge. I have included the copy from the bank showing the balance was credited before it was sent to a credit reporting agency.
After I paid my credit card in full before the due date the bank still charged me interest saying it was due to the amount was for covering my bank account being short. I had already paid a {$15.00} fee. I believe that is unfair if the bill is paid before the due date.
Portfolio Recovery Associates is calling me after I have requested that do not contact me via a letter i sent which the rep says they didnt receive which i know is false because they sent me a letter responding to the letter i sent verifying an account that they verified with insufficient proof via a statement which doesnt proof anything I want all contact ceased! and I want the account removed from my credit report! since it has not been properly verified.
My payments have been approximately {$89.00} without the slightest wiggle room for any amount added to the balance strictly interest payments only. I have been faithfully paying that amount for 5 years no questions asked and the last four months I hit a terrible financial snag where I havent been able to make payments. 

Without my knowledge my auto pay was canceled, and my ability to make online payments was taken away. I tried to set up an online payment to be withdrawn on XXXX to make my account current by calling a representative from Wells Fargo but to no avail. At this point I feel Wells Fargo is pulling every necessary string to liquidate my account despite my faithfulness of paying every month for several years despite not having XXXX nickel taken off the balance owed.
Transunion would not provide me with a dispute number. I also tried to dispute it with XXXX and XXXX but they both put a wall up as well. I suspect they are in collusion with XXXX XXXX to keep it on my record. Sorry, but I will not be a tax write off for these large companies. XXXX XXXX is purposefully keeping a closed account on my credit with the aid of all three credit bureaus past the seven years which is in direct violation of what the FCRA says and other federal laws stipulate regarding accounts. I only know about their credit reporting fraud schemes because I used a website called XXXX XXXX to check my credit.
As of XX/XX/2018 On the XXXX XXXX Website it states that I have a closed account with XXXX XXXX XXXX   / XXXX XXXX. However, I use the account frequently still till this day and the account is still active.
As a XXXXNavient customer, I was advised to take out forbearance when I could n't make my student loan payments due to employment or hard times. I ran out of forbearance during the summer of 2014 due to this advice. When I began making student loan payments, Navient misallocated my payments and put them toward the interest instead of the principal and interest for my student loan.
XX/XX/XXXX I filed Chapter XXXX bankruptcy. I was not late or delinquent on any of my accounts during this month. I was actually only late on XXXX accounts in the past 7 years. Kohls/Capital One reported my account negative XX/XX/XXXX, the month I filed Chapter XXXX. 

I filed a dispute through XXXX and they updated the status to Never Late on XX/XX/XXXX but left the negative history on XX/XX/XXXX. 

This is showing as a negative account on my credit report and is absolutely not correct I was not late/negative/delinquent at all in XXXX or XXXX and it should not be reporting negative. 

My reports do show " Discharged through bankruptcy chapter XXXX/Never LatXXXX '' however the negative reporting on any months where there was no late payment made should be removed. 

I am attaching copy of my credit report for Kohls/Capital One to show what I mean by negative payment history.