WillisBack/dataset-financial-user-claim huggingface dataset:
ARA Inc. called claiming to be collecting a debt from 2005. They claimed to have mailed me documentation and were threatening to sue me and report my unpaid credit card debt to damage my credit. I explained the account in question was not mine and I never received and information from them. They continued to transfer me between each other and very aggressively continue to threaten to sue me unless I agreed to pay. When I hung up with them I was able to look them up with the XXXX and learned they had over XXXX complaints filed against them for their tactics. I also looked up California laws which not only state the statue of limitations for collecting debt to be 4 years, it is now over 11 years since the alleged debt, but they must legally mention that they can not force me to pay or report it because of expired statutes of limitations. Not only did they not mention that, but they illegally threatened to sue and report the debt to ruin my credit.
I was logged into Experian and after that I logged into XXXX. Upon viewing my credit report with each agency I noticed SEVERAL inaccuracies. A lot of spelling errors involving my name, several addresses that are listed incorrectly, my student loan debt is listed several times and is being improperly reported, two companies listed debts that I never consented and are n't mine, and lastly, several agencies have clicked into view my credit profile without my consent!! In the midst of trying to correct these errors, both companies logged me off and stated, " due to inactivity my session has timed out ''. I tried to log back in but both Experian and XXXX stated that the number of times I 've attempted to login have been exceeded, thus my account has been locked! Then I tried to check my credit with XXXX and it would n't even allow me to login. I am so frustrated and I have a lot of money that is due to be paid to me from the state of Virginia and I 'm afraid that someone has compromised my information as a method to steal my money and destroy my life. Please forward t grievance to the appropriate companies as I should not have to pay to view my credit report when I never received a chance to even review it the first time!
XXXX phone call was made I spoke with 3 different agents then they hung up. XXXX spoke with two agents that both said they transferring me to a special unit, however no one came and they hung up. XXXX I called again and spoke with 2 agents held on for 30 minutes they picked up asked my information dob ss address then said its two special units they have to transfer me the other
I got the letter by mail that chase does not like any relationship with me anymore, and they closed my account,
I had a lease with Infiniti Financial Services for 36 months - always paid on time. At the end of the lease I extended it in order to make repairs to my car and was told I would receive a bill when I turned in the vehicle. I called their customer support a few times to verify this was correct since my auto-pay had stopped. 2 weeks ago I checked my credit score and saw it had dropped from XXXX to XXXX and there was a late payment notice on my account from Infiniti Financial Services. I called them and complained that they never sent me a bill or contacted me and they should immediately remove this incorrect report and also send me a bill. They said since the car was just turned in it would take 4-6 to receive a bill. I asked how come they reported me as late if the bill did not go out. They did not have an answer. I asked for proof that they sent a bill or that they were going to remove the incorrect reporting - they refused,
Reopen case XXXX and XXXX. Fidelity did not send me a response to my letter of inquiry directly. I discovered their answer on the CFPB website. The answers furnished by XXXX XXXX to my six questions are incomplete. Their company has no grounds to not honor their policy as there was no " purchase. '' The company is obligated to honor the policy as XXXX XXXX ( My former name ) and the XXXX XXXX XXXX XXXX as it is me. This company through XXXX XXXX XXXX failed in their fiduciary responsibility to disclose the trust and trustee ( question 3 ) or the financial asset account number generated from the sale of my securitized 2005 note. XXXX XXXX asserts she has no knowledge of any trust? XXXX XXXX claims Fidelity has no responsibility for the actions of XXXX XXXX XXXX yet answers for them. Fidelity, XXXX and XXXX XXXX XXXX used the XXXX system to hide the trust and financial asset they created which still remains undisclosed to me. XXXX XXXX lacks standing and XXXX XXXX  never gave me a loan but they got paid three times over and beyond on the sale of the securitized instrument governed by XXXX and mistakenly tied to the collateral my property XXXX XXXX XXXX.
I submitted a public record investigation request to LexisNexis XXXX2017. I received a response ( case # XXXX ) more than two months after stating that the public record item was verified. In my correspondence, I request the Method of Verification which LexisNexis did not give in clear violation of FCRA. Additionally, they exceeded 30-day response requirements as per the FCRA. They know this because I have a friend who had the same issue recently and LexisNexis in accordance with the FCRA removed the item in question I contacted the court and the clerk was certain there was no verification request from LexisNexis How can this be..?
I applied for a refinance of my federal student loans with Citizens Bank. As part of this process, I provided statements from the respective current loan holders. After review, I was told that I was declined due to " the borrower has not yet made the minimum number of required payments ''. The letter did not specify anything further. My wife, who was a cosigner for this application, called Citizens Bank. Initially they refused to speak with her, despite having cosigned, stating that she was not authorized. Eventually they proceeded with the call, but the representative claimed I was declined for the refinance due to being on Income Based Repayment, and specifically because this is in regards to federal student loans. This agent also claimed that it would n't be enough to pay extra, but that I would have to have IBR removed from the account and make standard repayment installments for XXXX consecutive months. When asked, the representative claimed this was some part of " fair lending '' regulations, but did not provide specifics. They also claimed this contingency is part of the disclaimers or FAQs on their website. When I searched for this item, the most detail provided is " You must have made at least XXXX XXXX XXXX XXXX full on-time payments on all the loans you wish to refinance and may need to provide proof of graduation. '' There is no indication or mention of IBR being an issue, and " full, on-time payments '' does not indicate it must be under standard repayment terms. Further, it is my understanding that IBR requires a customer to be current to be able to qualify for IBR, but regardless, Citizens did not cite any issues with my Credit Bureau Report affecting the decision. Additionally, my wife, who applied for her own refinance with Citizens just weeks prior, is also on IBR arrangements, but was approved for a refinance. When asked, the representative at Citizens told her that she was approved in part because her loans are private student loans. Finally, there is no evidence that my application was declined for any income or debt based reasons.
Toyota Financial Services showing late payments on one of my accounts when in fact we have never been late and have paid extra each month. We have bank statements faxed to them to prove it. We also have monthly statements from Toyota Financial Services showing no lates during the period in question ( XXXX, XXXX, XXXX of XXXX ). They are using XXXX math and tricks just like XXXX XXXX XXXX did. ( see FTC vs XXXX XXXX XXXX ). They admitted their mistake on the phone. I want the CFPB to investigate Toyota Financial Services on their business practices on how they report on all their customers to the XXXX  Credit reporting agencies. I feel I 'm not the only one they have hurt. Their mistake cost me XXXX points on my credit score. Contract monthly payments are XXXX. We pay XXXXmonth to help pay the loan off faster. They told me they REMOVED a XXXX XXXX payment since we were paying extra and that caused a " cascading effect ''. You ca n't " remove '' a payment a customer has already paid.
Approximately 11 months ago I was having financial difficulties and contacted my mortgage loan servicer Ocwen. I asked for help and requested a modification. Since then I have sent in the modification papers several times, doing exactly what their representatives told me. I made payments in XXXX, XXXX, XXXX and XX/XX/2018 as a " trial modification ''. I also sent in a payments that they say are " on hold '' .The monthly payment amount was {$580.00}. I had sent in the modification papers which had my ex-husbands name on them. ( When we divorced the judge had said he was no longer liable for the payments and my ex signed off on the house ). I was not able to get his signature because I am afraid of him and what he might do so I sent the papers in without his signature. The last modification I did about 3 years ago was put through even though my ex-husband did not sign those. It has been almost 10 years since our divorce. With the help of the Wisconsin Department of Financial Institutions I was able to get some help and my ex-husbands name was removed from the mortgage. 
Since then Ocwen has been unfair and I have actually caught them lying to me. I have taken down every representatives employee number and date I talked to them. I've told them that I believe Ocwen is trying to get me out of my mortgage because with my last modification I was given an interest rate of 2 %. Many other issues have come up since then. I did receive a default letter and am in foreclosure. Most recently I sent a money order from my bank for {$1100.00}, it was sent overnight to Ocwen around the XX/XX/XXXX. When I called I was told that Ocwen was sending the money order back because it didn't include the XXXX payment. I didn't include it because it wasn't yet XXXX when I sent the money order. The representative I spoke to before the previous representative talked to me said that the money order was received in XXXX and that's why it was sent back. I am constantly getting various answers. I spoke with them today and am going to try to send the money back with the XXXX payment included ( {$580.00} ) and see what happens then. They've told me several times that they are working on completing the modification but they never have. 
I'm a single mom with XXXX kids living with me. Prior to my financial difficulty at the end of last year I had been on time with my payments. I am so stressed out and feel that Ocwen is trying to make me lose my home. I have begun counseling because I'm so anxious that I can hardly function. I don't know if anyone can help me but I would like to start a case against them if possible. There is so much more that I could include but not sure if there's room.
My car was stolen and the company stated my account would be closed. I had insurance why is this company now reporting I have a charged off account and owe {$16000.00} and I 'm past due. Please help me this is not right
Amcol Systems , Inc is fraudulently reporting a Collection Account to my credit file and I am not liable for any debt to them. I have requested multiple times for them to discontinue reporting this fraudulent collection account to my report and they have not.
At the beginning of XX/XX/2018, my daughter consolidated/refinanced all of her student loans including my PPLUS loans through a private loan company ( XXXX XXXX/XXXX  ). XXXX XXXX sent out payoffs to all of my daughter 's student loans on or about XX/XX/2018. However, my PPLUS loans still had not been paid off. These were all through Navient. After waiting a couple of weeks to see if the payoff would come through on my PPLUS loans, as of XX/XX/2018 my balance remained on the PPLUS loans. My daughter contacted her XXXX XXXX to find out that indeed, the payment of roughly {$18000.00} did get sent to Navient at about the same time. Therefore, I contacted Navient who informed me that the private loan servicer had sent the payment to the wrong address ( interesting that these are all federal loans, and my daughter 's went to the right address but not my PPLUS? ). I have heard other complaints that they give the incorrect mailing address on some of their payoff forms. After speaking with Navient, the CSR informed me that the easiest way was for XXXX XXXX to stop payment on the original payoff check and resubmit a check to the correct address. The CSR further went on to assure me that since this was through no fault of my own, he would make notation on my account that when they received the check, they would backdate the payoff amount to XX/XX/2018 so that there would be no accrued interest that I would be responsible for, essentially a zero balance. On XX/XX/2018 payment posted, but the issue of the accrued interest has not been addressed. As of this writing, the interest amount is {$150.00} and increasing XXXX to XXXX cents each day. I sent a letter via US Mail to Navient explaining all the above on XX/XX/2018. Having heard no response and watching that interest keep climbing each day, I sent a second request via fax XX/XX/2018 and still have yet to receive a reply. We are respectfully asking for XXXX to look into this. It is very frustrating and I have already spent far too much time trying to get this issue resolved. Basically, we want Navient to backdate this payment to the original payoff amount so it shows a XXXX  balance.
XXXX XXXX PURCHASE INTEREST FREE for 12 months XX/XX/XXXX, Mattress OWE, {$1000.00}, XXXX {$2000.00}. XXXX, Bedroom Set .OWE {$2500.00}, XXXX {$5100.00} XXXX Dining Room Set Owe, {$1300.00}, XXXX {$2600.00} Total I owe is {$5000.00} XXXX shows {$9700.00} The high balance on Credit Report is preventing me from getting home equity loan to pay the XXXX   loan off before interest in accrued. The correct amount needs to be reported correctly by XXXX to all three Credit Reporting Agencies. Transunion,  XXXX and XXXX. The Correct Amount owed : {$5000.00} Not owed {$9700.00}
I made a purchase on PayPal and did not get what was described as promised. I contacted PayPal to have them refund my money and they did not. The charge was done on XX/XX/18 to XXXX XXXX for {$2000.00}. They did not provide services as promised. The payment was done via PayPal.
See attached letter. 

In short, a third-party with questionable standing attempted to garnish my wages. I appealed, listing a number of objections. The appeal was conducted by Educational Credit Management Corporation, and was mishandled in the following ways : 1 ) The collection agency made no showing that requirements under 20 U.S.C. 1095a, et seq. had been met. 

2 ) I was denied appropriate procedural due process.

3 ) The lender did not produce my complete file, in fact produced almost no evidence, and the unproduced evidence should have been ( but was not ) viewed through the lens of adverse inference.

4 ) The decision relied on prejudicially incorrect or misleading Findings of Fact.
XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX Disputes Department XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX. 


To Whom It May Concern : This letter is in response to your phone call on dated XX/XX/2018, concerning the above-referenced account number. 

I have checked with my state Attorney General and  confirmed that the statute of limitations on this type of debt has expired. Therefore, if you choose to pursue this matter in court, I will be forced to show proof that the statute of limitations has expired. 
Let this letter serve as notification that I do not wish to be contacted about this debt any further except to be notified that future collection efforts are terminated. 
Any other communication regarding this debt will be taken as a violation of the Fair Debt Collection Practices Act. I demand you " Remove this from my credit report within 30 days or I shall seek justice in the court room, Or contact XXXX, Transunion and XXXX that this account falls under California statatue of limitations, This debt has expired and you are being asked to remove this from my credit report. 

XXXX Pacific standard time XX/XX/2018 - Letter sent Sincerely, XXXX XXXX
A new po box was added to my report, & my address was removed from it, i live in XXXX i have no po box on XXXX XXXX
" " '' I have disputed this this Charge off XXXX XXXX XXXX XXXX XXXX for months.XXXX  and XXXX  have Deleted them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
I have an issue with which I would like to request some assistance. Approximately 10 years ago at the request of my parents, I co-signed for a van with my dad. Both of my parents had bad credit at the time and they asked me to co-sign with them so they could get the van. We did n't have a vehicle at the time as our old one had many mechanical issues. My dad worked and we needed one to get around. I was XXXX when I made this choice. I just did it and figured that it would be the last time that it would ever come up again. Approximately 4 years ago, the car was repossessed. This did n't mean anything to me because I was n't the one handling the van, any of the payments, or anything else that concerned it. We used a loan company called Santander Consumer USA. My father passed away a little over a year ago. His name is the only one besides mine on the contract for the van. I received a phone call from a debt collection agency concerning the van and some money that was due on it. I was told that I was now the one responsible for the remaining balance due, which is almost {$3000.00}. I ca n't afford this. I find it a little strange that there is a lawsuit against me after my dad died. There was plenty of time to reach out to my dad to resolve this while he was still alive. I am due in court in XXXX. At this time, I will have a judgement placed against me for the amount mentioned above. This will mean that I will end up having my wages garnished. My finances are already really tight and this would make things extremely hard for me. I have court papers and all documentation if that is needed for anyone to be able to assist me. I would really appreciate some guidance or help as far as what can possibly be done to help me.
I told them I do n't get paid till Friday but they wo n't wait they want to take it out on Wednesday they purposely are going to bounce my account.
someone has stolen my identity and opened several accounts in my name as well as federal taxes in XXXX XXXX and XXXX XXXX ec't as well as who knows what el 's i have been incarcerated in XXXX for the better part of XXXX up to XXXX XXXX XXXX XXXX jail XXXX XXXX XXXX Have not given no one permission to use my name whatsoever period I am a Victim of Identity Theft by all parties weather knowingly or not and will provide law enforcement anything to bring those involved to justice
I was behind on my Best Buy credit card and it was referred to XXXX XXXX. I made arrangements through them to pay Citibank the owner of the card ( Note Citi still owns the debt ). This occurred in approximately XX/XX/2017. Payments were set up to be automatically drawn from my checking account and have been done so every month. Most months I have been paying OVER the minimum required. I had a difficult month and called XXXX XXXX and asked that my payment be changed from XXXX to the minimum of 80 something for 2 months - I was told that was fine and I would stay on track. Come to find out that starting with the second month BestBuy has been considering it late because the minimum must have gone up a few dollars and have been hitting me with late fees. According to a statement I just got the total has been {$100.00} I have placed phone calls to them and finally spoke with the Internal Recovery Dept who verified I have never missed a payment, that my payments are on time and are regulated through the XXXX XXXX. First they tried to tell me that the fees were from XXXX XXXX and I pointed out that they were from BEST BUY aka Citi I asked that the waive that past late fees and credit my account and they refused saying " It's too bad I was given faulty info by their agent ''
Diversified Consultants place from XXXX XXXX XXXX a XXXX debt that is not owed. Diversified Consultants also had place by XXXX XXXX XXXX on my credit file as to there was no notice mailed to me in any way to dispute the debt within 30 days by Diversified Consultants as they claim they sent the debt back to XXXX XXXX XXXX as spoke to them on XX/XX/XXXX as stated by the person I spoke to. 

Attach is a copy from the Consumer Financial Protection Bureau complaint # XXXX Submitted XX/XX/XXXX company response XX/XX/XXXX that the disputed account was removed from my credit report. 

Attach is a copy as proof from the Company 's response
Discover has called me 11 times in the last 4 days, and they continue to call me, and are calling me on the weekend and all hours of the day.
I have had a credit card   with Wella Fargo for more then 8years they closed my account without informing me and without explaination of the reason they closed my account.
There was fraudulent activities on my joint account in the amount of {$10000.00} dollars the checks was cashed in a branch office. The reason they cut off my credit card was due to them closing the joint account which they stated they was still investigating.
They have runied my life by closing accounts I took time to build and when I reported fraud they refuse to properly investigate cash coming   from out of a branch. I need help taking them down.
To whom it may concern, I recently discovered XXXX unauthorized hard credit pulls on my credit reports. XXXX with XXXX and XXXX with Equifax. 

All XXXX requests were made with XXXX XXXX, where I have a longstanding financial relationship but I DID NOT seek credit or authorize a hard pull of my credit reports in these instances. After the credit bureaus summarily dismissed my disputes, I contacted XXXX XXXX, which says they have no record of my applying for credit on these dates. So now I am stuck with these hard inquiries that may or may not be the result of a fraudster using my personal information. 

I have initiated a credit alert to avoid further damage. It may be just an honest mistake at the bureaus, but my credit score is now hurt as a result of these unauthorized credit pulls. I need them removed. XXXX bureaus refuse to do so and will not provide any information as to how they deemed these inquiries to be legitimate.
On XXXX XXXX, 2015 I received a copy of my XXXX credit report. I noticed XXXX collections from Collection Resources INC XXXX NM XXXX Phone : XXXX ( XXXX ) XXXX I called XXXX on numerous occasions and disputed these items, however they did not remove them. On XXXX XXXX, 2015 at approximately XXXX I called Collection Resources INC and spoke with XXXX and she stated I only have XXXX account with them. The account number is XXXX and stated that the other account was the same XXXX. The other account number is XXXX. The same debt is reporting on my credit report twice. XXXX informed me that the collection agency does not speak or communicate XXXX. When I spoke to XXXX they informed me to contact the collection agency. No one has given me a correct answer, and XXXX parties have failed to Validate these accounts. This account must be removed due to the fact its reporting twice.