WillisBack/dataset-financial-user-claim huggingface dataset:
I have recently been informed that there is negative information reported by TransUnion, for a debt/charge off for {$6800.00}. from XXXX ''. I sent XXXX, ( who TransUnion reports as there CEO ) a certified letter via USPS requiring a signature, requesting " verification '' pursuant to the " Fair Debt Collection Practices Act of this " debt/charge off for {$6800.00} from XXXX '' Verification meaning competent evidence bearing my signature. TransUnion received my letter on XX/XX/2017. In my letter I requested for them to remove this " debt/charge off for {$6800.00}. from XXXX '' from my report if they could not provide me with competent verification with my signature. I want this " debt/charge off for {$6800.00}. from XXXX '' removed. TransUnion did not provide me with any competent verification of this " debt/charge off for {$6800.00} from XXXX '' bearing my signature.
I currently pay a Perkins loan throught the University XXXX. That loan is serviced through ecsi.net. Not only does this servicer assert that a perkins loan is not elligible for income based repayment plans ( with no explination ), it also can be paid with a credit card, which seems counterintuitive. Further, on a loan that does not show any compounded or accrued interest, I pay XXXX % of each payment to interest, on a 5 % interest loan with no explainitory documentation. For example, on {$160.00} of payments, I have reduced the total balance {$110.00}, with no documentation provided about where the other {$50.00} went, other than " interest, '' even though none of my bills list the interest amount accrued, or that interest is outstanding. For each {$40.00} payment, {$12.00} goes to " interest, '' despite no interest balance being listed anywhere on my total balance or monthly balance. Finally, there appears to be no way to pay online ( direct from banking account or otherwise ) without paying a service fee. I think the business practices of ECSI are questionable and need to be looked into.
My student loan reports that I was on drinking 20 days late with the previous student loan company but I was never late I always maintained.  XXXX   XXXX  is currently my provider but was not my provider when it had the delinquency of  a hundred and twenty  days
National Enterprise Systems is attempting to collect on my student loans while they are in the process of being forgiven. NES is also adding an XXXX $ collection fee. I have also filed a complaint against XXXX collection agency who is attempting the same thing. That case number is XXXX
I attended XXXX XXXX University in XX/XX/XXXX. My loan was for XX/XX/XXXX/XX/XX/XXXX I never attended XXXX XXXX in XX/XX/XXXX I was enrolled but never attended so I dropped the classes but the university still received my financial aid money. I was not a student there in XX/XX/XXXX. Which means I should not owe this company the funds they say I owe them. Then with further investigation this company has not truthfully reported the correct date of my first delinquency to them. They say the last payment I made was in XX/XX/XXXX which is false. They are reporting the wrong dates the credit bureaus and this account is past the time of the 7 years reporting period. The dates and payment times are incorrect and the financial aid money that I never used should have been returned to this lender, I am responsible for paying for services that were never rendered. Where did this money go? I never received a disbursement from this school but on my loan it stated that i received one.
I'm submitting a complaint against Sequium Asset Solutions or XXXX XXXX XXXX, XXXX for not contacting me and providing the validation letter from the alleged creditor. It's been 15 days later, and I still have not received the following documents : Proof that I agreed to the alleged debt that is described in the enclosed letter, your proof shall include a full record of principal, payments and fees. 

Proof of unbroken chain of title from ( XXXX XXXX  ) to ( Sequium Asset Solutions or XXXX XXXX XXXX. ) authorizing ( Sequium Asset Solutions or XXXX XXXX XXXX. ) to collect alleged debt. 

If debt was purchased from ( XXXX XXXX ) by ( Sequium Asset Solutions or XXXX XXXX XXXX ) provide proof of purchase and the amount that was paid. 

Show me that you are licensed to collect in my state, and provide licensed number if you are. 

I have yet to receive the requested information.
The Rush Card has been with holding money from my account, which I have been unable to pay bills, get to work, move in to a new home, and feed my family I was suppose to recieve my direct deposit and it is promise to me that it will be there two days befor my pay check, this happen during the end of the month when I have to pay rent. They keep telling me that they can not give me a time frame on how long it will take but keep guarenteeing me the money is safe but mean while my car insurance was just cancelled XXXX 2015 and the bill collector will not take an excuse I have suffered severaly from these damages and lost out on a home, a drop in credit, late fees, unable to keep my daughter in day care/after school, lost in hours at work and emtional stress I have to check my self in a hospital because of head aches im recieveing from stress. I have been unable to feed my family and had to borrow money from others that I have still been unable to pay back so far I have lost XXXX because of the lost hours at work and unable to get gas to meet deadlines and im lossing by the day because the issue is still not resolved I call them spoke to someone and pleaded my case they just countinue to place me on hold for hours and hope I hang up or they will hang up please help me, I soon will have to take out a pay day loan to help myself in this financial crisis.
My bank is PNC in Virginia. Back in XXXX I had fraud activity so I went immediately to the bank closed that account and opened a new one. I was assured several times from the bank manager once the account has refunded my money the account would be closed. I have a loan which I was also assured was moved to the new account. None of that was done. I have had overdraft fees and late fees do to all this. Most recently for some reason the loan withdraws out the account that was supposed to be closed months ago. I called the branch and left several messaged for the the manager to call me back. She never did. I went to another branch and spoke to manager there that said everything was taken care of which it was. Now a week later money was taken out of my account that I am now fighting to get back. I called early this week and I was assured my money would be refunded. It has yet happened. I call again speak to someone else and I 'm hearing from this person nothing was done earlier this week. I have currently a personal loan and car loan. I will be refinancing my house in order to pay these loans and will be closing my account with PNC.
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  , IA  XXXX  (  XXXX  )  XXXX  Put a hard credit inquiry on my history without my permission I was not looking for auto loans just wanted to buy a used car no loan.
Since XX/XX/2017, approximately every two weeks, I receive a call on my land line ( XXXX ) from XXXX ( caller ID shows " XXXX NH '' or " XXXX ). When a live person is on the line, they ask to speak with XXXX XXXX ; and, when a robo call, the message says Press 1 if you are XXXX XXXX, Press 2 if you are not XXXX XXXX. I have had this land line # since XX/XX/2017. 

After a bit of research, I found that my XXXX # used to belong to XXXX XXXX 's father, XXXX XXXX. The XXXX family used to reside in XXXX NH, just down the road from where I reside. I have told the caller from XXXX on numerous occasions that XXXX XXXX is no longer at this number and that the number had been reassigned to me by XXXX XXXX. I have also requested that the calls cease but they continue to this day. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NH XXXX Physical residence : XXXX XXXX XXXX, XXXX XXXX  NH XXXX
The aforementioned credit collection agency representing XXXX XXXX XXXX  has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX XXXX and XXXX 

The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If PLAZA SERVICES does not have any documentation, they need to retract this from my credit file immediately.
I owed XXXX XXXX XXXX a balance of {$19.00} which was a " final bill '' sent to me and due on XXXX/XXXX/2014. Before moving from our residence, THIS BILL WAS PAID IN FULL ON XXXX/XXXX/2014, and closed. 

XXXX XXXX XXXX has sent my acct to a collection agency ( AWA collections ) showing an inaccurate balance owed of {$260.00}
On XX/XX/XXXX, my wife and I sent a letter to the credit bureaus, asking them to investigate errors that were on our credit report. I am attaching a copy of the letter that we sent. Its been more than 30 days, and we have not received responses yet.
I noticed a deposit on my bank account for {$500.00} from Radiant XXXX that I did not apply for.
XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX AUTO FINANCE Inquiry Date XXXX, XXXX XXXX. XXXX MORTGAGE via XXXX XXXX Date XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry Date XXXX, XXXX XXXX. XXXX XXXX CO XXXX Date XXXX, XXXX XXXX. XXXX XXXX XXXX via XXXX XXXX Date XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX Date XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX Date XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX Date XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry Date XXXX, XXXX
XXXX XXXX XXXX on XX/XX/XXXX sent notice regarding XXXX XXXX  @ XXXX claiming {$510.00} as sums due. XX/XX/XXXX I sent dispute letter via certified mail requesting validation for said sums and informed them I was represented by legal counsel. XXXX XXXX XXXX received said correspondence on XX/XX/XXXX. Correspondence dated XX/XX/XXXX from XXXX XXXX XXXX claiming same amount, {$510.00} with itemization of charges. XX/XX/XXXX I sent dispute letter via certified mail which was received XX/XX/XXXX by XXXX XXXX XXXX. As of today, XX/XX/XXXX XXXX XXXX XXXX has failed to respond to the dispute letter. Correspondence dated XX/XX/XXXX was received from Wakefield and Associates regarding XXXX XXXX XXXX XXXX XXXX XXXX @ XXXX sent correspondence claiming {$860.00} as sums due for the very same account XXXX XXXX XXXX . In that correspondence they claimed to be responding to my correspondence to them. I had no correspondence with them regarding this or any other matter at the time. What they failed to disclose is that Wakfield and Associates and XXXX XXXX XXXX are one and the same - as per discussions with XXXX XXXX XXXX XXXX their client. XX/XX/XXXX I sent dispute letter via certified mail which was received XX/XX/XXXX by Wakefield and Associates. As of todays date Wakefield and Associates XX/XX/XXXX has failed to respond to said dispute letter. Each sum claimed was in contradiction with XXXX XXXX XXXX XXXX XXXX XXXX @ XXXX statement of account. the On XX/XX/XXXX I was notified by XXXX of collection activity reported on my credit profile by XXXX XXXX XXXX for yet another differing sum of {$330.00} for the XXXX XXXX XXXX XXXX XXXX XXXXXXXX @ XXXX account. XX/XX/XXXX I was notified by XXXX of collection activity reported on my credit profile By Wakefield and Associates for yet another differing sum 0f {$330.00} for the XXXX XXXX XXXX XXXX XXXX XXXX @ XXXXXXXX . account. Further both of these entities disregarded the fact I was represented by legal counsel on this matter and never contacted my legal counsel - which was requested of them to do in each and every correspondence with them. The same company under different names acting as a third party attempting to collect a debt ; submitting claims with differing amounts for the same account, unable to disseminate the actual amount due and ts client 's billing, refuses to contact legal counsel, fails to respond to dispute letters and then files collection activity on credit profile with yet another differing amount violating Federal Fair Debt Collection Practices Act, and fails to dislcose that XXXX XXXX XXXX and Wakefiled and Associates are one and the same.
IF YOU NEED THE PROOF, I HAVE ALL THE COMPLETED DOCUMENTS TO CONFIRM MY CASE .... 

I WANT THIS FIXED PROPERLY & I KNOW WITHOUT YOUR HELP THE BIG BANK WILL NOT TREAT THE CONSUMER FAIRLY ... .THAT IS WHY I 'M CONTACTING YOU. 
IM SURE THAT I 'M NOT THE ONLY PERSON THEY ARE BREAKING THE LAW WITH THIS SITUATION IF THEY FEEL THIS COMFORTABLE DOING IT TO ME. 

I HAVE TRIED AND THEY CONTINUE TO DO THE SAME THING OVER & OVER & OVER AGAIN ... .THIS LOAN IS ALMOST 11 YEARS OLD .... XXXX 2007 THEY ARE BREAKING THE LAW, IF IT WAS ME I WOULD BE IN JAIL ... ..
I am a victim of identity theft. I became aware that several credit and checking accounts were opened in my name without my approval, consent or knowledge. From 2016 until present I have not applied for or opened any new checking or savings accounts whatsover with any bank. I bank with XXXX XXXX XXXX which I opened in person in New York. Every other bank account and inquiry on my XXXX and XXXX XXXX XXXX report is a result of fraud. I did not even live at the addresses that were given to XXXX or XXXX XXXX XXXX. I am attaching a copy of my photo ID, birth certificate and my current lease showing where I actually lived during this time of identity theft. The only account that is actually mine is with XXXX XXXX XXXX.
I filed on this with my credit agency almost a year ago and it was removed because it was proven not be mine. The creditor was XXXX in the dollar amount XXXX and it What XXXX did was change the dollar amount and resold this debt to another collection agency which is Enhanced recovery LLC in the amount of XXXX. They ca n't do re sell a debt after it 's been removed from your credit report. XXXX could not verify infomration or it was 7 years up already and removed, not sure which one but I know the debt did not belong to me. I have screenshots to proveit was already removed on XXXX XXXX and before that XXXX without the inc listed it to try once again and removed XXXX, all screenshots provided. 

Good thing I keep snapshots of everything. I check my reports regualary also. 

attachments included shows it was removed in XXXX twice because it was not mine and anothe screenshot showing they just relisted it again with anothe creditor
I got a loan from XXXX XXXX  for the amount of {$800.00}. I attempted to pay them the money and thought I would pay them back with just a few dollars for interest. They ended up restructuring the loan of {$800.00} saying that I owed {$2000.00}. The company is engaging in predatory lending practices on its loans to the consumer. The balance owed is more than 3 times what was borrowed. XXXX is engaging in assisting XXXX XXXX in predatory lending services working hand in hand.
FCRA violation Experian took more than 30 days to send me there report, were disputed on XX/XX/2018 I never receive any file back from them.
On XX/XX/XXXX I closed on my house using XXXX XXXX  as my mortgage company. I was told my first payment with them would be XX/XX/XXXX. When I had not heard from XXXX  at the end of XXXX, I contacted agent ant XXXX and after a few days she emailed me that my loan had been sold to XXXX XXXX XXXX XXXX on XX/XX/XXXX. I tried to get in contact with the company but I did not have a loan # to access when I got in touch with them since I had never received anything in the mail. I finally contacted customer care and got a loan # and also corrected my address in which they also had wrong. During the conversation I asked when my XXXX payment was due and I was told XX/XX/2018. I followed up by accessing my account on line which also said payment due date was XX/XX/2018 but had no amount. On both XX/XX/XXXX and XXXX I accessed my account online where it still said amount due XX/XX/2018 but had an amount of {$0.00}. I made my payment of {$1500.00} on XX/XX/XXXX even though it said I did not owe anything. Today I received a collection call from XXXX XXXX XXXX saying that I was behind on my mortgage and that I had not paid XXXX mortgage payment. I told the rep that I had been in contact with their company and was told that I did not have a XXXX payment and I confirmed on the web site that the first payment was due XXXX XXXX but no amount was due so I paid what was on my closing papers. The rep advised me that I was suppose to make a payment but their company had misapplied the exact same amount {$1500.00} on XX/XX/XXXX so it showed that I had made a payment but it was actually someone else 's payment. I told the rep that on my first call, I was told my first payment was to be XX/XX/2018 and not that my next payment was on XX/XX/2018. As of today, I went back to my online account and it now says next payment due XX/XX/2018 amount {$1500.00}. I also shows a payment made of {$1500.00} on XX/XX/2018. I believe that I have made the payments that I was suppose to have made but now I am being asked to make another payment today XX/XX/18 and another one on XX/XX/18 totaling {$3000.00} which I don't have. I will have my regularly schedule payment reedy for XX/XX/18 but not the extra {$1500.00}. By this time, I will be outside the 60 days of protection from them reporting me to the credit bureau as well as accruing interest and late payment fees.
Dear CFPB Leadership Team, I am the co-signer on 3 private student loans regarding my son 's ( XXXX XXXX ) attendance at XXXX XXXX College where he graduated with a XXXX XXXX XXXX   degree in 2011. Since then, my son has worked very hard to be accepted into the XXXX Department at the XXXX XXXX XXXX. 

After he graduated from XXXX XXXX, and before going back to college, he landed a full-time job and faithfully paid on his student loans for about 2 years. At some point the 3 private XXXX Bank student loans were combined into one payment. Later, there was a transfer of his accounts to XXXX XXXX. XXXX had returned to college by then and XXXX XXXX did not know he was again a student when the accounts were transferred to them. I had to plead with them to no avail about his need for deferred status while in school and eventually the MN Attorney General 's office became involved to help advocate for a student deferral and XXXX XXXX granted the deferment. Now we learn the transferred accounts have been taken over by XXXX and they want immediate payment. I pleaded XXXX 's case again with XXXX and explained that XXXX XXXX granted the student related deferment, but now XXXX phone people state that XXXX follows the original XXXX Bank arrangement and won't help XXXX with a student related deferment. The three combined payments they want is approximately {$480.00} per month. 

My son does not have that kind of money right now and neither do I. Again, he faithfully paid on his loans after graduating from XXXX XXXX. Also, it is much more difficult to secure student loans for a second XXXX XXXX degree compared to loans offered for upper level degrees which are more generous with the dollar amounts given. An XXXX XXXX degree is much too difficult to achieve when XXXX  wasn't your XXXX degree, hence my son is working for his XXXX in XXXX XXXX. 

Thank you very much for your time. I have also written again to the MN AG office and they advised it is wise to also contact your office. 

Sincerely, XXXX XXXX
Capitol One sold my account to XXXX XXXX XXXX, XXXX. I was not aware of my rights at the time when I first contacted Capitol One in regards to this debt. I now know that my rights are being violated under the Fair Credit Reporting Act. The collection agency that brought my account do not have an address for me to submit any information to in fact only their name appears on my credit report preventing me from defending myself.
Overdraft fee occurred while my account was in positive standing. Generally, when my account goes into negative, I can see it that day and bring it to a positive standing in the same day IF the deposits are made before XXXX. This time, my account was in the positive on XX/XX/XXXX, but an overdraft fee was applied to my account on XX/XX/XXXX.
On XX/XX/2016 I went in to pay auto loan payment. I pay {$470.00} each month I pay XXXX because I wanted to catch up on 1 late payment and pay a payment coming due on XX/XX/2016. I informed teller that this money is to cover 2 payment. I got a call from bank telling me I had not paid payet for XX/XX/2016. I informed worker XXXX that made payment on XX/XX/2016. She tells me I was behind 2 payments so payments went to XX/XX/2016 and XX/XX/2016. I requested payment query, because I knew I was only behind one payment. I also went branch for print out, but they told me it could be printed out. 
On XX/XX/2016 I finally received print out via US mail. 
Print our confirms my thoughts of bank applying my payments incorrectly, and that I was only behind 1 payment as I thought. I called customer service, they told me I had to go I bto branch. Bank has lied, told me they could n't fx, and have given me the run around. The transaction they performed keeps me behind and I can be charged {$47.00} each month. I finally was able to pay 2 months so I would not charged {$47.00} late fees each month.
I. I have sent several letters dated XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX disputing errors on my reports. 
II. Experian was called on XXXX/XXXX/XXXX after the letters went unanswered. I spoke with one person who quickly sent me to XXXX. I began explaining that I recently learned that my identity had been stolen by my ex-sister-in-law. 
a. I asked about the name variations on the credit report and I was told that they were being reported by the creditors that way and she could not remove them. 
b. I went on to explain that I no longer used names and some of them were wrong. XXXX proceeded to tell me that she would not remove the names on the report. This is in violation to the FCRA of reporting correct information. 
c. I asked about the addresses. She reported that the addresses are being reported by the creditors and she would not remove them. 
d. I immediately told her she was in violation of the Fair Credit Reporting Act and she stated she didnt care. This was the way they were being reported and that is what would stay on my report. 
e. I didnt even get to the inquiries which about 19 of them had not been done by me.

f. I asked for the address to where I could serve them court paperwork and she refused to give me the address. She finally reported XXXX XXXX XXXX XXXX, Texas XXXX. 

I have also tried numerous times to get rid of inquiries and some incorrect information on my reports. They have refused to send actual verification according to the FCRA. They just keep telling me it is verified. I am tired of trying to get rid of incorrect information and when you call, they refuse to do it. 

I recently found out my Ex-Sister-in-law has stolen my identity as far back as XXXX : XXXX XXXX XXXX XXXX XXXX # XXXX : office number : XXXX : XXXX # XXXX.
XXXX XXXX  company repossed my 2 new car 5 years ago, i got those two cars after trading my XXXX XXXX XXXX XXXX  XXXX milage.payed XXXX XXXX dollar down payment.made payments for three year untill i defoulted late payments due to husband death i had XXXX XXXX, i was still working and paying them, one day they called me at work for late payment due to nature of my work i could not carry converstaion with XXXX corporate office worker he said since they can not communicate with me they are going to repossed my cars i told them i did on line bank payment they should get it by tomorrow.next day they took both cars away and auctioned them in market for cheap price, and told me to pay them XXXX dollar more to them.ever since that day i have been called and harrassed by their company, they call me from different phone numbers and harrases me to pay them.plus doing negative reporting to my credit .i dont know what to do any more ...