WillisBack/dataset-financial-user-claim huggingface dataset:
I pay regularly my monthly mortgage payment by check. In XX/XX/XXXX I applied for automatic ACH payment ( ln #  XXXX ). The confirmation was not forthcoming in XXXX thru XX/XX/XXXX. To avoid late penalty for XX/XX/XXXX, I sent a check to pay XX/XX/XXXX with a written note/warning " please do not double pay my XX/XX/XXXX payment, I applied for automatic " ACH '' payment " and confirmation of effectivity is not forthcoming. The lender received my XXXX check, ignored the warning not to double pay my XX/XX/XXXX mortgage, cashed the check. The lender accessed my bank money without my permission and maliciously for their advantage. The lender maliciously knew that my XX/XX/XXXX loan payment was already paid from a confirmation in their system, nevertheless cashed the check, applied such money to next month ( XX/XX/XXXX ) payment. I did not authoriz

e Sunwest Mortagge to cash that check. Lender staff ignored that warning and cashed. Unfortunately the check did not go thru but nevertheless lender and its staff accessed customer bank account in excess of my authority. For this reason, it is clear enough Sunwest Mortgage violated the trust I put on them so far as accessing my bank money without my permission. That is abuse of authority to collect mortgage payment ( as they already received my mortgage XX/XX/XXXX payment ) more than what they are entitled to. Imagine, Sunwest Mortgage collect and access maliciously any customer bank money as much as they can at any moments time and customers do not know of such activity until the customer receives a bank statement. For this reason, my bank charged me {$29.00} for that returned check for which I was asking Sunwest Mortgage to return/refund that money. I sent Sunwest Mortgage a bank statement that showed my bank charged {$29.00} but refused to refund.

I am filing this complaint so the public will be warned of this unscropolous activity of Sunwest Mortgage. I would like the lender borrowers to be aware of this lender activity. I also want the government monitoring agency to be aware of this kind of activity by this lender and to stop it now.
Have been making payments to the company {$190.00} & {$210.00} a month is all I can afford as a teacher. I have begged and tried to get the monthly payment lowered to that any they are not working with me, no matter what even though Im paying them as much as I can. ( AES ) I am not trying to default on these loans, but I only make so much and with raising XXXX small children my budget is not flexible.
I have contacted the Credit Reporting Agencies on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX about the hard inquiries on my credit report and have been told to contact the companies who requested the report and to have them deleted. I called XXXX and have been told they do not delete hard inquiries even though I did not authorize the inquiry. I called back to Equifax to advise them of the statement from XXXX. I have disputed the inquiry via telephone calls and via the internet and I have been continuously told by Equifax the hard inquiry will not be deleted even though I did not authorize anyone to check my credit file. I am asking for your help because I am given the same answer which is not fair to me as the credit when I did not not ask for the hard inquiry with XXXX. I have continued to request a deletion to no avail. Please advise if you can assist me with this.
IC SYSTEMS INC account no.XXXX is appearing wrongfully on my XXXX and XXXX credit reports.I recently disputed the debt with XXXX  as not mine and it was " verified '' as mine within 2 days.During that time it also appeared on my XXXX report.The original creditor is XXXX.This is not my debt, I was not living at the address at the time they say I was delinquent.The debt is an error or belongs to someone else even if they used my ID.
I was paid on XXXX via PayPal on XX/XX/XXXX. The money would be placed on a 21-day hold. Its now been almost 30 days and the hold has not been lifted. I contacted PayPal and XXXX, and both companies blame the other. Saying it is not their fault.
Capital One Bank issued a XXXX for XX/XX/XXXX for credit card debt from XX/XX/XXXX. According to Capital One's credit card agreements, the agreement is governed by the laws XXXX. According to XXXX law, the statute of limitations for credit card debt collections is XXXX years. Additionally, the statute of limitations of XXXX my residence, is also XXXX years.
XXXX requirements specify that a debt be written off as soon as determined to be uncollectible. By definition, the expiration of the statute of limitations for collection defines a debt as uncollectible. Capital One Bank is subject to XXXX requirements.
Capital One Bank was required to write the debt off not later than XX/XX/XXXX or XX/XX/XXXX and IRS regulations require that a XXXX be issued in the year of the transaction, not at the convenience of Capital One. Capital One Bank has fraudulently issued a false XXXX.
XXXX XXXX XXXX XXXX has been reporting a debt on my credit since 2015. I have continuously tried to contact this company in regards to information they are providing on my credit report. I have sent out several letters within the past couple months and received no response. I have also had some mail come back undeliverable to their address which was obtained through the information they have provided on my credit report. I have continually asked for information regarding what this debt is and have received no verification, validation, nothing. By failing to provide this information this company is violating the Fair Credit Reporting Act.
Portfolio Recovery is violating multiple sections of the FDCPA by falsely communicating information about an alleged, unvalidated debt to consumer reporting agencies. Additionally, the debt they are alleging to be mine is beyond the statute of limitations for legal action in the State of New Hampshire so I believe their erroneous reporting is an intentional tactic used to frustrate my attempts at obtaining credit in an effort to get me to simply pay their terms to " clear up '' my reports. 

To wit : Portfolio Recovery is reporting an account with a balance of {$720.00} on my consumer reports. They are reporting themselves as the Original Creditor, are claiming the account as a " Revolving Credit '' account with " 1 Month '' terms rather than as a " Collection Account '' and are reporting continued late payments on a monthly basis as though I had a monthly payment agreement with them ( I do not ).
VSAC 's standard practices with respect to its XXXX/autopay system have resulted in ( 1 ) an unwanted forbearance, on XXXX occasion ; and, on a separate occasion, ( XXXX ) {$72.00} in overdraft fees. This is what happens. A borrower can elect to use the XXXX/auto pay system. When he or she wants to add an additional amount of payment that will be debited from his or her account, it takes three days to process that change. VSAC DOES NOT ALERT THE CUSTOMER TO THAT WAITING PERIOD at the time he or she enters the change. If ( as was the case with me ) the next regular scheduled payment falls within those three days, VSAC has done one of two things with me. The first time this happened, it triggered an unwanted forbearance so that the system could catch up with the change over the course of the next month. I would have obviously rescheduled the change to avoid that forbearance. When I called, I was shocked to hear that there was " nothing they could do. '' Well, that artificially EXTENDED THE LIFE OF MY LOAN, due to no fault on my part, and due to their failure to warn me of the three day waiting period. The second time I changed my amount ( also within the three day period ), rather than trigger a forbearance, VSAC accessed an older checking account that I have not used for payments in years. Because there was no money in that account, I incurred XXXX overdraft fees. THIS IS RIDICULOUS. I want my overdraft money back, and I want any interest that accrued on my loan to be paid back. If, on a national level, and as a standard practice, they are not warning folks of such issues with changing the payment amount on autopay within three days of the next regularly scheduled payment, then they ( potentially ) are costing borrowers thousands or millions of dollars in overdraft fees, and are ( definitely ) extending such borrowers loans by triggering the unwanted forbearances.
I 've had a student loan for about 8 years and financial squeezed for a majority of that time. For at least the first 5-6 years I 've had my loans in deferment because I was suggested it by my loan sevicer. Not until recently, because I 've been adament about repaying did I hear about the income based repayment program that is offered. Furthermore I have XXXX different loans all with drastically different interest rates. The repayment process seems convoluted and hindered with many obstacles. I 've made well over a years worth of payments and my loans have seemed to increased exponentially. I feel like that my loan servicer is clearly not interested in cooperating with reducing my loan balance and is clearly more interested with my interest %.
XXXX XXXX XXXX - XXXX accounts - is still reporting on my credit report and the accounts were opened back in 2007. I thought they were supposed to be removed after 7 years.
CHECKSYSTEMS ... ... THEY HAVE ACCOUNTS LISTED THAT MAKE IT HARD TO APPLY AND GET BACK ON TRACK CAUSE OF THE WAY THEY LIST THINGS OR THEY DONT CARE OR THEY ARE RIPPING ME OF MY AVANTAGE OF GETTING BACK ON MY LIFE .. THEY ARE REPORTING ACCOUNTS WRONGFULY AND MAKING MY LIFE HARD I DONT APPRECIATE THE WAY THEY MAKE ME LOOK BAD OR LOOK LIKE I CANT HANDLE LIFE
State Collection Services Inc. ( XXXX ) continues to call my cell phone after i have repeatedly asked them to remove me from their list. They state that for security purposes they need my date of birth and name which I will not give them because they called my phone number and want personal information. After speaking with the representative XXXX & XXXX they both state that they will not remove me from the list because I will not give my date of birth. This is continued HARRASSMENT! I have received a number of calls from this company and continually ask them to remove me and they will not. 

I have never done anything with this company based out of Wisconsin, i am on the other side of the country in XXXX, PA. I asked them to put me on with their supervisor and they put me on hold and hung up leading me to have to go back through another 3 representatives.
I have never had any agreement with this company! They are reporting to all credit bureaus that I owe them a debt which is illegal! According to XXXX, XXXX. XXXX " The right of subrogation does not exist for a stranger to the transaction. '' They have no legal rights to report any debt or other wise to any bureau nor post or obtain any information on my Credit Files. This is not a dispute and should not be posted on my report as said. 
This is in regards to XXXX
I have been recently denied credit based upon my TransUnion credit report. I immediately contacted TransUnion by formal correspondence to request a copy of my credit report, in full accordance with the FCRA. I also called TransUnion and a representative told me that I would have to purchase the monitoring service to receive a copy of my report. The FCRA enjoins Credit Bureaus to provide a copy of the person 's report if notice of adverse action has been rendered by the prospective creditor.
My loans are serviced by XXXX, then known as Sallie Mae. One of my loans was an unsubsidized Stafford loan that was transferred to another lender in 2009. I only received notice that the loan had been sold after I had already submitted a payment, but the payment had not yet been processed. I inquired with Sallie Mae/XXXX whether that payment would be forwarded to the new lender, and I was told verbally that the payment would be sent to the new lender. That never happened ; the money I paid for that month 's installment vanished. Although it was electronically deducted from my checking account, Sallie Mae/XXXX never applied it to that loan or any of my other loans serviced by Sallie Mae/XXXX.. The new lender never received that payment, and I was forced to make a double loan payment that month. Further attempts to follow up in writing with XXXX/Sallie Mae were ignored.
XXXX XXXX hired The Bureaus Inc, to collection on a debt that I allegedly owe for {$1100.00}. At this time the Bureaus, Inc and I have been unable to come up with an agreement on the account. 

Respectfully, the Bureaus, Inc has hired XXXX XXXX XXXX XXXX to collect the amount allegedly owed. 

1- On XX/XX/XXXX, I have offered to settle this account with XXXX XXXX XXXX for $ XXXXXXXX XXXXXXXX XXXX  XXXX declined to accept my offer 2- XX/XX/XXXX, I spoke with XXXX XXXX XXXX and s/w XXXX  @ ext XXXX 3- Today, XXXX XXXX XXXX has done the ultimate collection practices with borderlines extortion, harassment and intimidation 4- XXXX XXXX XXXX  advised that they will only do a settlement offer with me for {$650.00} for TODAY and TODAY only for payment over the telephone. 
5- I advised XXXX XXXX XXXX that I would settle the account for {$500.00} and that the only way I feel comfortable with any transacations is for them to send me a settlement agreement via USPS to my address of record, in turn if the agreement is satisfactory- then I will mail them an online bill payment check though my bank with certified funds. This way I feel comfortable about them not having my financial information and they would have certified funds. 
6- the Manager of XXXX XXXX then began his intimidation and harassment practices. The Manager began to tell me that IF I do not pay him today the {$650.00} then the next time if and when I call to pay it is going to be {$900.00}. 

I wish for XXXX XXXX to refrain from calling me and I will either deal with the original credit only. This is harassment intimidation and extortion. I was at work in front of patients to the point I was almost crying while he was basically demeaning me. This is illegal collection practices. 

I have tried on multiple occasions to reach the bureaus without any success of talking to any represtative at XXXX
I enter all the information you requested about me, addresses, SSN, birthdate, but the questions you asked about my identity were question ( I think ) about my son who lives in Florida. My son has the same name as me but he 's the the XXXX, ( XXXX ) and I 'm the XXXX. I cant get access to my credit report which I need What should I do to fix this? Or is there something wrong like identity thief?
on XX/XX/XXXX i wrote an email to Capital One, asking for late payment forgiveness during a very bad stage in my life. i had a secured credit card but in XXXX, XXXX i suffered through XXXX  XXXX, i XXXX XXXX XXXX  due to XXXX XXXX, and i became XXXX because of XXXX   XXXX, to the point where my children and i XXXX XXXX XXXX, XXXX, XXXX XXXX even XXXX XXXX XXXX. i spoke w a XXXX  he said they didnt need any info to verify, they believed my situation but for me he was a little insensitive he asked me for more information about my XXXX, i got a little shaken up because i honestly didnt want to go down that road but i answered hoping they would remove the lates fee and if not all at least the ones from XXXX. Even going over such information i was still denied, he said he looked through the policy and it wasnt something they could do. My account is now current but closed. however, i was approved for a unsecured credit card by them with a {$300.00} limit, a few days after i was denied. i am working on my credit, i am now stable and would like for the late payments to be removed, if i have been approved for a new card, why could they not take the late fees off the old. i need help with this company.
I took a loan out for a car and realize that the payments where too much for me to make. Asked company to reduce the payments and the company refused, forcing a possible default on the loan and a repossing of the car. ALLY FINANCIAL.
I am a Title Insurance Agent in XXXX XXXX, NJ and an underwriter for XXXX XXXX Insurance Company. I have XXXX matters that closed over a year ago which I can not issue policies to the new owners due to the fact that HSBC has not recorded the discharges for the seller 's mortgages, leaving them remaining open of record. Both of these matters were the subject of a short sale. This office holds the documentation wherein HSBC agreed to the terms of the short sale. However, after the closing took place, the mortgages were never discharged. I am under strict obligation by my underwriter to issue a title policy in a timely fashion, however HSBC is negligent in XXXX matters.
Re : Over payment on refinancing On XXXX XXXX, 2017 I refinanced my student loans with XXXX and they paid Nelnet {$69000.00}. This is an over payment of {$930.00} of the last principal balance from XXXX XXXX, 2017. I called today and was told that the over payment went towards the loan I still currently house with them. Upon adding the numbers that was applied to that laon the total is {$530.00} a difference of {$400.00}. Now, I understand there was 6 days between the last principle amount date ( of my last payment ) and XX/XX/XXXX to when XXXX paid you for the loans and during that time interest had accrued however I know that {$400.00} of interest had not accrued during 6 days. So where has the missing money gone? and it makes me wonder if anyone else has had this happen to them and have not known about it. It also makes me wonder how accurate all the other books are if they cant tell me where a missing {$400.00} has gone.
XXXX XXXX XXXX shows the credit limit was {$550.00}, I show that the credit limit was {$400.00}. This is incorrect on the company 's part
Please check this account. I can not recall being late on my payments. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : SYNCB/XXXX  Account Number : XXXX Date : XX/XX/2017 Amount : {$1100.00}
XX/XX/XXXX I pulled my bureau report and found that XXXX XXXX XXXX XXXX ( PRA ) of XXXX XXXX XXXX XXXX VA XXXX had reported a collection account against my name in the amount of {$470.00}. I sent a request for PRA to complete the enclosed Debt Collectors Disclosure Statement ( DCDS ) as a validation of debt they claimed was due them for an account they allegedly purchased from XXXX XXXX that was charged off in XXXX, after being in dispute. 

XX/XX/XXXX response from PRA does not include sufficient information and evidence to determine the validity of PRA 's claim of assignment to enter into the alleged original contract between the Original Creditor and alleged Debtor that was charged-off, or the amount PRA paid for the account, which is suspected to be pennies on the dollar, yet they are demanding the full amount charged off by XXXX XXXX, and without providing an affidavit as requested evidence of the purchase amount and assignment for entering the alleged original contract. 

This is not in compliance with my request for the completion of the DCDS so that I can determine if PRA has a rightful claim and authority to report negative information to the credit bureaus and request payment from me as owner of a debt that XXXX XXXX charged off in XXXX. 

XX/XX/XXXX a XXXX request for validation of debt was sent informing PRA a complaint was being filed with CFPB and as a Notice of Intent if PRA does not comply and return a completed DCDS within 30 days. PRA is causing me harm by reporting negative information to the credit bureaus on an account they have failed to provide sufficient evidence they have authority to make a claim against me for. 

XX/XX/XXXX filed this complaint with CFPB
Midland has not removed this debt collection of my credit report even though the collection was paid .Disputed the information through XXXX and the information was updated as if I still owe I would like this account to be removed off my credit report immediately.
I have received multiple calls from  XXXX  - Penn Credit Corporation. They always hang up if I answer the phone, but if I do n't answer the phone they leave an automated message telling me to call them back about a debt that is owed. When I call them back they refuse to give me any details of the debt unless I provide a variety of personal information about myself. I refuse to do that as I believe their company is conducting some sort of a scam. I told them I do n't owe any money and I pay all of my bills. I have n't received anything in the mail regarding a debt. They ask for my mailing address. I do n't give it to them because I believe this is part of the scam they are perpetuating. I have looked them up online and all of the comments seem to point to the same conclusion - scam. Please have them stop calling me, and if possible shut them down before they rip any more people off.
For the past several years I have received notices from this company regarding a debt that is no longer valid. The statute of limitations has run out on this debt. The last time I used this card was over 6-7 years ago, and the tast payment made was over 5 years ago. Last night a woman, collection rep. called me at XXXX. I told her that the statute of limitations had run out on this debt,. She said I was still obligated to pay. That is false. I also told her to cease and desist.
I attended XXXX XXXX college back in XX/XX/XXXX-XX/XX/XXXX. I had a student loan with sale mea that was sold to, two different companies. one XXXX and the other Navient. I never had my GED when I attended XXXX XXXX   college and was not able to benefit from degree- I submitted paperwork to both loans ( ability to benefit ) will all required documentation I was told. I submitted application/GED/GED scores/final grads transcripts from XXXX XXXX college. XXXX accepted these quickly and approved the application and is now pending with department of education FASA. Navient on the other had, is the one who told me to attach these documents and now is trying everything in their power to decline my application. first the said I had to correct last name, so I did, then they told me to resubmit application because I did not have a references on it, so I did. Now they stated I need to submit an agreement from school. The college I went to is no longer, has be cut off by government funds so they filed bankruptcy and shut their doors due to corrupt actions. I can not get this paperwork, on the gov department website it stated to show proof of GED and Transcripts and application which I did. when I call them they will not put me on the phone with the correct people, when I ask for supervisor they hang up. I told them I would put in a complaint due to them not wanting to process my paperwork and they hung up on me. I don't know what to do if I loan approved and this loan will not- it is all from the same school. I can not get anyone from that loan to answer my questions, they refuse to process application and eat time I submit what they ask they come back with another and another, information school would have that no longer exists. please help.
Someone keeps trying to get a Chase card in my name. The company wrote me, and told me that who ever was trying didn't have all the information. Therefore they denied the application, but I have a lot of hard inquiries because of it. From checking my credit report, this has been going on since XX/XX/XXXX. I only applied once, and have the XXXX  card. I applied inXX/XX/XXXX. I want to take all those hard inquiries off my report because they are fraudulent.
1. XXXX said they sold the debt, making Diversified a debt purchaser. 
2. On my Credit reports it shows them as the current holder of the debt, meaning they are the debtor and not sprint. 
3. XXXX didnt sent billing statements to me because they entered or misspelled my home address. 
4. The debt collector didnt sent me the correct correspondents and they admit they had the incorrect address information. 

5. I legally have the right to request verification of this debt, noting was sent to me and my rights were violated!