WillisBack/dataset-financial-user-claim huggingface dataset:
I have many accounts at Capital One 360. It is an online-only bank. Their website and app access has been down for days. Phones not answered. No messages on their website, but credentials for login no longer work. Per XXXX and twitter it seems no customers can access their funds. No access to checking or savings.
To be completely honest with you I don't know who they are and how much I owe them I just know that I just want them off of my credit as quickly as humanly possible
I have sent several letters to remove the dispute comments from two accounts on my Equifax credit report and they have failed to do it. The two accounts are XXXX  XXXX XXXX - XXXX and XXXX XXXX XXXX - XXXX.
XXXX XXXX and XXXX inaccurate information on my credit violation of cra and hippa
I just got another letter from Nationstar stating that they received an application from me for a loss mitigation option. I never discussed loss mitigation option with anyone at Nationstar nor applied for it. I have no idea of what they are talking about. Again, and it is crystal clear that this is their scheme to steer me away from the HAMP Loan Modification I applied for XX/XX/XXXX which Nationstar have been processing before XX/XX/XXXX and even after XX/XX/XXXX when they took it over and is still in progress and is yet to resolved. Attached is the letter I received from Nationstar Mortgage.
On XXXX XXXX, 2017, I received an alert thru CRA monitoring. That reported that I have a NEW collection from this IC System. I previously had no contact or knowledge of this alleged debt. They have not contacted to me to ADVISE ME OF MY RIGHT TO DISPUTE this debt.I believe my rights have be abrogated. I have written to this company twice. No response. Additionally, they attempted to report this debt multiple times to the same CRA. I have since disputed this account with all XXXX CRAs. I will like this account deleted from my file.
It is the practice of my mortgagor,  XXXX , to report my mortgage payments to credit agen cies 3-4 mo nths after payment is made. For instance, my Transunion credit report currently lists  XXXX  as my last mortgage payment as on time.     I would expect  XXXX  to promptly report my most recent mortgage payments to the credit reporting bureaus to insure accuracy of my  credit score.
On first contact from P & B Capitol Group, LLC, a woman, who did not identify herself, yelled at me and was very abusive to me, calling me names. I tried to explain to her that i was on SS at XXXX per month and have XXXX, but she would not listen ; I asked her not to contact me by phone anymore. She became even more abusive and yelled at me, " Collection efforts will continue ''. No paperwork or mailings have ever been received to my knowledge.
We have cleared all accounts with XXXX XXXX and received satisfactory report from creditor, then we have been requesting XXXX and Experian to remove the unverified collection from my report they have not done and we did not get any more respond from them since XX/XX/2015
I have asked Pinnacle Credit Service to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
For over a year now, I am being called every day. I told them that I do not have an account with them because they are not the original owner of the account to collect the debt and that they brought the debt. I have also explain that I didn't sign anything with they stating I owe them. Since then, they have been calling me every day all day along and they call my job and I told them " do not call my job, I am not allowed to have debt collectors contact me on my job '' they ignore me and continue to call my job and ask to speak to me, and when I answer or anyone answer they start asking for me stating they are a debt collector needing to speak with me ''. I am tired of them calling my job and my cell phone non-stop from morning to night.
answersThere are a few issues with the debt American Medical Collections Agency is trying to collect that originated from XXXX XXXX One being my health insurance adjusted a few of them and XXXX XXXX actually owes me money. Another being my medical insurance says from the XXXX statements I do n't owe for certain tests because of the contract XXXX XXXX has with the medical insurance. The third issues is I just made it through a series of appeals and it looks like a won. These appeals take several months ... upwards 16 months to complete. When I originally contacted XXXX XXXX they just sent me collection letters sooner instead of working with me and waiting the appeal process like they are supposed to. I do n't owe XXXX XXXX the {$1200.00} stated in the bill from American Medical Collections. When I try and contact Medical Collections I get no answers. They send a bill about once a week.
On XX/XX/XXXX, I was sued in XXXX County, XXXX Superior Court by XXXX via XXXX. I received a judgement and the collection agency that contacted me to collect on XXXX loans was Gurstel Chargo through Attorney XXXX XXXX XXXX, whose phone number is : XXXX and email address is : XXXXXXXXXXXX. Gurstel Chargo 's local address is : XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX. A payment schedule was agreed upon and I began making payments XX/XX/XXXX. Gurstel Chargo has XXXX file numbers for these loans : XXXX and XXXX. They have a Processing Center at : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX, XXXX, Fax, ( XXXX ). My complaint is the consistent failure or refusal by XXXX XXXX or the Processing Center to send me periodic payment statements indicating payment history and the amount of interest I have paid on these loans as this information is necessary for tax purposes. I had a conversation XX/XX/XXXX with XXXX XXXX that he agreed verbally to send me a statement every two months. I recently, again requested XXXX XXXX send me a 2016 year-end statement indicating student loan interest paid by leaving a phone message on his voice mail XX/XX/XXXX. He has done nothing since XX/XX/XXXX. I have called the Processing Center on two occasions XX/XX/XXXX requesting a payment history statement and they informed me both times that they do not send out these statements. I have no idea if my payments are being properly recorded or how much I still owe. Also, I have no idea my that payments are being applied to my XXXX loans from XXXX because this is XXXX that have a pool of loans. I never pursued the issue of ownership of XXXX owning my loans from XXXX before a judgement was rendered because of a lack of resources and I was assuming an executorship of a family member 's estate who was XXXX XX/XX/XXXX that made it difficult to get to court to defend myself. Could you please address these matters because I am tired of Gurstel Chargo 's arrogance in their dealings with me. Also, I have filed a complaint on XX/XX/XXXX with the Attorney General 's Office of XXXX. Nothing has been reported by them to date. Thanks, XXXX XXXX.
I have disputed XXXX with equifax three times, they have a balance on the account of {$170.00} for my old card and {$280.00} for my wifes, they were both included in our chapter XXXX in 2009. Last time i disputed it i called kay jewlers who told me they had sent in the correct information ( no balance ) and that it was equifax 's fault that they werent putting in the correct info, i called equifax and they told me that XXXX had been removed completely, they sent me a copy of my credit report to prove it and then a week later XXXX put the incorrect information back on my report! the balance is wrong and that needs to be corrected to XXXX but at this point it should also be completely removed based on the time frame of it being 7 years from date of deliquency.
This company which I hold no contract with nor have I received services from reported a collection account against my SSN in the amount of {$930.00} with XXXX, XXXX and XXXX credit agencies. I requested verification of the debt and account however the business failed to provide adequate proof that I owe TSI. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt to TSI
Credit company TSI ( Transworld Systems Inc. ) called trying to collect debt owed to XXXX XXXX XXXX. I did not recall the doctor or time frame right off the bat. Was informed the credit company would investigate and get more information from XXXX XXXX. A week later I receive a bill that stated {$4200.00} and then noticed that the bill was suppose to be {$3400.00}. Not only was he over charging me but also noticed with the paperwork that I received from TSI was my Medical Record Chart that explained my procedure, my past medical history, and background information as in my health. I learned stuff about my procedure that I did not even know about. Not only is this against my HIPPA rights but XXXX XXXX also over charged me. 
I know now what the bill is for due to receiving all my information in the mail. I have no issue paying my bill but I do have a issue with my information being sent around without my consent. At that time frame I was unemployed with no health coverage and ran out of time to apply for Charity care. 
For proof I would of believed a bill would of been sent to TSI not my medical chart. My medical information was faxed to TSI, and was shared wit TSI and then mailed to me. And the envelope had a tear upon arrival. 
I have filed a report with the Department of Health and Human Services as well.
I just want To Equifax to read this and tell me what is their definition of this Federal Law? AND TELL ME WHY YOU CA N'T PROVIDE THE INFO THAT I 'M REQUESTING YOU MUST NOT HAVE IT IF YOU CA N'T PROVIDE IT? SEND IT OR DELETE IT ... .. 
PLEASE READ THIS AND TELL ME WHAT DOES THIS MEAN?????????????????
Ditech has been billing us approximately {$28.00} above the interest owed on a mortgage loan. If we pay above the minimum using the On-line service they do n't give an option to apply the extra to the principal. So they ( Ditech ) applies it to the next month payment lowering the amount due. The loan has a balloon payment that we are trying to reduce. We have been paying {$28.00} above the interest they are charging. If we mail it we have the option to apply extra to principal, but only if you write it in, otherwise they do n't apply it to principal, they reduce next months amount owed. Right I now have a bill due for {$6.00} on a {$13000.00}. at 8.75 % interest, with a balloon payment due in 5 years. If I was n't discerning would pay only the {$6.00} thinking I am getting ahead. When actually I will be getting farther behind. This practice is very deceiving.
I sent a debt validation letter to Southwest Credit Systems on XX/XX/XXXX. They have not responded in writing to my request. However, on XX/XX/XXXX I was notified by a credit monitoring service of a negative collection entry on my credit report. Although I included a cease and desist request within the debt validation letter I received calls. I took one call on XX/XX/XXXX in which I explained the situation. They verified their receipt of my letter and their entry to my credit report. After I explained their violation of the FCRA regulation that prevents a company from taking such action before the validation of the debt, the representative stated that they don't delete entries on credit reports.
I have aflame blemishes entries that was placed on my credit report and I have been trying for over 8 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 12th dispute in which I am currently awaiting results. On XX/XX/2018 I called and spoke with a representative and inquired how XXXX verifies their public records/accounts. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX  XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX  refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine. In addition to public record have student loans from XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX.
On XX/XX/2019 at XXXX XXXX  I called XXXX XXXX, to double check that my student loans are still in deferment, and would remain for the spring 2019 school year. I advised the agent, that I will be attending school full time spring of 2019. He advised me that my deferment ends in XXXX, and that my first payment will be due XX/XX/XXXX. He stated I only have 48 months available of deferment, I asked how could a payment be due while i'm enrolled full time in school. I asked, how much will the payment in XXXX be. He stated we don't know, and can't view that due to my account showing zero due, and currently being in deferment. I pulled up my account online on XX/XX/2019, for both of my student loans, and it show 's that my next payment isn't due until XX/XX/XXXX. Last time I checked In-school deferment is unlimited, as long as you are enrolled at least half time. Which I currently am. Why would my loan company tell me otherwise?
I have sent XXXX letters via USPS certified mail at the address listed for the collection agency Williams & Fudge out of South Carolina. The letters detailed my dispute of the debt they were trying to collect in the amount of {$13000.00}. I do not owe this debt and they have failed to provide me with any proof or verification that this debt is mine. They are, however, newly reporting this debt to my credit report. I am unsure if it is reporting with XXXX, but I know it is reporting with XXXX and XXXX. I have just mailed the collection company yet another certified mail letter requesting the debt be removed from my credit because they have failed to verify the debt to me and are in violation of the Fair Credit Reporting Act. I will pursue legal action in small claims court if they choose not to remove this debt which is being reported illegally.
Please See Case Numbers:XXXXXXXX is collecting a debt on behalf of XXXX XXXX. This in my opinion is a fraudulent attempt to collect a debt that is not owed to XXXX XXXX. This obligation was satisfied by signing over ownership to XXXX at which time they sold the car and kept the proceeds. At the time, I did n't realize that XXXX will attempt to collect XXXX after keeping the proceeds from the sale I made a written complaint to Trans Union asking to verify the debt from XXXX. Trans Union claimed in writing that the debt was verified and will remain on my report. I called XXXX and they stated that they did not verify the debt and do not make any attempt to verify the debt. If XXXX claims the money is owed, then that is sufficient validation for them. XXXX has already removed this Claim from XXXX as XXXX could not prove that any money was owed to XXXX or them.
I have become XXXX XXXX. I no longer can pay my mortgage XXXX Penny Mac. 
I have tried two ( 2 ) times to modify and did n't qualify. Penny Mac sent me a letter with foreclosure alternatives on XXXX XXXX. I have tried to call the person in contact to because the letter says to get back with Penny Mac so we can start the process.information of short sale & deed in lieu. I have had so many different names in all the letters. I received 3 wks ago about me wanting to start the process and hopefully it 's not in foreclosure. Received another letter 2 days ago that says the same thing. That it 's in review. I called last week & the lady said it 's in the courts on foreclosure. That is almost 60 days since I have wanted to short sale. My only income is my XXXX check. ( early retirement because I do n't receive any XXXX benefits ). They had me calling a Texas office and the other person would transfer me to voice mails to leave msgs and no one would call me back. XXXX XXXX different names. Now it is XXXX XXXX. I had to call the supervisor to get her to call me. The XXXX & only time was 3 wks ago. She said someone would call to appraise my home & look inside. I received the same letter this past Friday saying the same. I had asked her before if I should get my documents in orders to mail and she said no. To wait for the appraiser. I was told by several people this weekend that said they were told the same from Penny Mac that the home was in review for Short Sale when it actually was in the courts for foreclosure. I have tried everything to keep my home. Single mom with XXXX daughters that I put through college. My life has dramatically changed. I pray that it is not in foreclosure.
my XXXX credit card account was transferred to Citi without my permission or knowledge. My american express was on quto pay for many years. Since I was not inforrmed by Citi that my balance was transferred to them and I never received a bill or statement from citi my payment was late and citi sent a late payment to my credit report. Meanwhile my autopay to XXXX was made. When I found out about this 6 days after my payment was due to citi I called them and they said there is no grace period and I was out of luck, my credit report will show the late payment. I thought there was a 60 day grace period when credit accounts were transferred from one creditor to another but citi said no. I would like citi to remove the late payment fee and to remove the late payment from my credit report. the payment was made in full right away on the phone when i called citi and found out about this problem
I talked to experian and they refuse to help through their customer service telephone system. I have several inquires and a bankruptcy listed on my report that I have no knowledge of and tried to dispute these but they apparently did not want to take the necessary time to help me file a dispute. Under the FCRA I am allowed accurate information on my report and wish for these items to be deleted so that my report is accurate and not causing me harm.
XXXX/XXXX/XXXX Received a phone call from this company stating they would be debiting from my bank account in 2 days because of a court judgement against me. I called back to the company and they answered stating they are Arbitration company obtained from pay day loan company I borrowed from back in XXXX. He stated he is a Lawyer and was retained to handle the account. the person then proceeded to transfer me to " XXXX ''. I asked XXXX what is the name of her company she stated XXXX XXXX XXXX. I asked are they an arbitration company and she stated that they are. I proceeded to ask her if they are made up of lawyers and she stated no. So once I looked up the company online I realized that it was a collection agency. I told the representative that this is an collection agency and it is illegal to misrepresent themselves. I told her to take me off their call list and do not call back. She proceeded to say that she is going to hang up and call my job. She also stated that they will continue to call me until I pay her their money. She used vulgar language as well. This is not the first time this company has called me with threats and I have told them not to call my phone again but they continue to harass me.
The assignment on my mortgage is fraudulent. Ocwen knows about it and will not address the issue in a timely manner.
GM financial sends me a paper statement that is {$160.00} short of my actual account balance. Online they show the correct balance. I have been trying to correct this for four months. I have called them I have been told is taken care of and they understand the problem yet I keep getting these fraudulent statements. I know they 're going to XXXX me at the end of the lease and I want this corrected.
I have been a victim of the Transunion computer glitch that they reinserted inquiries. I tried to call them to remove the reinserted inquiries on the phone but the representative was n't interested in helping me on this. 

the following inquires i think were reinserted XXXX XXXX XXXX XXXX/XXXX/2016 XXXX XXXX XXXX XXXX/XXXX/2016 XXXX XXXX XXXX XXXX/XXXX/2016
Since beginning payments on my Navient federal student loan I have called the company multiple times to voice that I was struggling financially, with other debts, with employment, with mental health issues ( precipitated by the prior factors ). They usually swiftly urged me to put my loans in forbearance. I now, nearly 10 years later, owe more than what I borrowed.
The issues I have had with Navient date back years. When I was having issues paying my loans they put me first in a forebearance, telling me it was my only option, in XXXX 2015. When they set this up they had me pay XXXX dollars a month for 14 consecutive months to correct this issue. In XX/XX/XXXX I received a call saying they did n't allocate this correctly and I now owed an extra XXXX a month. While I am out of that program now they have made moving to pay as you earn or extension of my repayment time significantly harder than I think it should have been.
I have notified all  XXXX  credit reporting agencies asking for verification of Chapter  XXXX  Bankruptcy reported. I have contacted my local Bankruptc  y Court. The Bankruptcy Court stated, " they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. '' It is the credit reporting agencies, and /or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U.S. Court systems due to the Fair Credit Reporting Agency Privacy Law.
On   XXXX   XXXX  , 2017, I sent certified letters to the Experian,   XXXX   and   XXXX   asking for documentation of validation associated with the bankruptcy.     To date, I have not received a response from any of the reporting agencies. Additionally, the reporting agencies have not indicated that the bankruptcy is in dispute.
On XXXX/XXXX/15 I requested validation ; received no response. On XXXX/XXXX/15 I requested validation again ; this time received response. However, IQ Data provided a print screen from their data base ; not an accounting of my payment history. For example, I have no clue what " termination fees '' or " expense bad debt '' charges entail ; " non-refundable cleaning fees '' -what did they have to clean? ; " Fees Late Payment '' - from what month? There is no way to determine where my security deposit was applied. Furthermore they are showing my XXXX XXXX daughters as roommates.