WillisBack/dataset-financial-user-claim huggingface dataset:
In 2013 I paid my debt which was to Cash Net USA however they sold my account to a XXXX XXXX XXXX company and they are still trying to get money and are still reporting that I owe them money even though the debt has been paid. Here is what they sent me '' As we previously advised you, you have failed to make payments required under your loan agreement or to contact us to take corrective action. As a result, your account number XXXX was sold to XXXX XXXX XXXX on XXXX/XXXX/2013. The outstanding balance was {$770.00}. 

This third-party debt buyer retains all legal rights to the amount owed. If you would like to make a payment, please contact XXXX XXXX XXXX at XXXX or XXXX " The information they are reporting is inaccurate has the debt has been paid as of XXXX XXXX, 2013.
We our a military family who is executing XXXX XXXX. We opted to short sale our home due to the market in our area. We put our home on the market in XXXX with an offer in XXXX. The bank dragged their feet, repeatedly told us they did n't receive paperwork when I would receive a confirmation email, which I still have. Also, our relationship managers were unavailable, had full voicemails, and would n't return calls or emails. We are now on our XXXX relationship manager. Now, just recently they closed out our short sale due to improper paperwork, which is false. After, speaking with the default department we had to resubmit everything from day XXXX. Now they just reopened our short sale and our time is running out due to the move, XXXX XXXX, 2015.
I am a member of XXXX. I noticed that my Equifax credit score dropped XXXX points in the last week. This did n't make sense to me since I just paid substantially on XXXX credit cards lowering my credit utilization from XXXX % to XXXX %. When I contacted Equifax to tell them they miscalculated my score they refused to give me any information or look over the score for an error.
Equifax reorted 30 days late on my credit and I submitted proof it was paid on time.   XXXX   XXXX   was paid off and I was never late. Please remove.
XXXX XXXX XXXX XXXX XXXX XXXX recently added two new collection debts to my report. The service 's in question was service I received on XX/XX/XXXX and XX/XX/XXXX, from XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX. XXXX XXXX was the billing agency for XXXX XXXX XXXX at that time. I have a Primary ( XXXX ) and a Secondary ( XXXX XXXX ) insurance provider. XXXX XXXX told me that they billed the secondary as the primary and was not paid. They later billed the correct primary on XX/XX/XXXX and was paid but did not bill the secondary again. I spoke with them and they were correcting their billing mistake and would be contacting XXXX to inform them of their mistake and to update the status with the collection agency. XXXX recently (XX/XX/XXXX ) sent me a settlement offer that i ignored and contacted XXXX XXXX for them to handle. I guess this is why they say there are new collection debts.
The following information is provided for you verification process : XXXX XXXX XXXX XXXX Reference # : XXXX Total Balance : {$420.00} New Collections XX/XX/XXXXCreditor : XX/XX/XXXX Account # Regarding : Amt. Owed : {$210.00} Serv Date : XX/XX/XXXXCreditor : XXXX XXXX XXXX Account # Regarding : Amt. Owed : {$210.00} Serv Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX I spoke with a rep ( XXXX ) onXX/XX/XXXX She stated that she would inform their billing department to rework the claim and to bill the secondary provider and that I should check back with them in two weeks, to find out what the status of the claim was.
Your attention to this matter will be greatly appreciated. Please let me know if I can provide you anymore information to assist you with resolving this matter.
Thank You, XXXX
I attempted to logon to my account online the morning of XX/XX/2018 to pay my bill. I was unable to login due to new security measures enacted on the website. I attempted to reset my password, but was only given the option of providing a credit card number in order to reset it, which seems like a security risk as it did not appear the field was encrypted. I then contacted customer service to have them reset my password only to find out that they wanted me to provide them with my card number as well. I do not have the card, as I shredded the card a year ago as I no longer use it and to prevent unwanted purchases. However, I do still have a balance and wanted to pay my bill. The representative informed me that they will order me a new card and transferred me to the fraud department. The fraud department wanted me to provide them a reason why I wanted a new card ( due to lost/stolen cards ). I informed him that the card was neither lost nor stolen and I just wanted to reset my password. He then transferred me back to customer service and told me that it would be no problem to reset the password. The customer service rep again told me to provide him with the card number, which I said again why I did not have the card. I then said to just send me a new card so I can get the card and reset the password. The representative asked me my security questions, which I answered and then asked me for my bank account number. I was shocked to find out that they wanted my full bank account number that is at a different institution. At no time should one financial institution be asking me what another financial institution 's account number is for the purposes of verification, to me, that is a serious security risk. Once the card was issued, he told me to call back once the card is received as he could not reset the password even after the new card was issued. Sending a physical card to my house in order to reset a password on the website seems to be more of a security risk than it is to fully verify my identity over the phone. It should not be this difficult to be able to access my account to make payments and obtain statements.
I tried to contact my creditor due to having incorrect information. All my letters were returned as undelivered. I contacted   XXXX   and provided documentation of the undeliverable mail to them which they signed for   XX/XX/17    . I asked  XXXX  to remove these accounts due to the creditor furnishing incorrect information. The account address were changed and some of the account numbers changed as per my   XX/XX/17   report I pulled from my   XXXX   account. I contacted  XXXX  that day and spoke with the special claims department. They said they received my documentation but would not change my report. I received a copy of my updated report dated   XX/XX/17  fr om  XXXX  due to my phone call and all of the old incorrect information is back on my credit report.
I sent XXXX Deposit to Coinbase of XXXX euros on XX/XX/XXXX and they got my funds on XX/XX/XXXX. In  the platform, it is written that my funds will be on my EUR wallet before XX/XX/XXXX, but it is still pending. I have got multiple tickets and sent them emails, but I have got no response from them. 
Case # XXXX Case # XXXX Case # XXXX This is unacceptable that they freeze my funds for a month without any explanation.
I filed Civil Cause # XXXX, XXXX XXXX XXXX v. Bank of America ( BOA ), in the XXXX XXXX District Court of Texas for breach of contract, slander of title, fraud, FDCPA violations and negligence on XX/XX/XXXX. My lawsuit is based on a title audit that clearly proves Bank of America was an FHA pretender lender that did not have standing to enforce the provisions of my Deed of Trust. Despite this lis pendens regarding the title to my homestead, BOA sold my property to XXXX ( XXXX ) during a substitute trustee auction on XX/XX/XXXX. XXXX 's attorney, XXXX XXXX XXXX XXXX. ( XXXX ) immediately filed Cause # XXXX in XXXX XXXX XXXX XXXX XXXX XXXX and a default judgement for possession was entered. My lawyer appealed to the XXXX XXXX County Clerk but quit the day before I was to appear in Court-At-Law No. XXXX. The Assoc. Judge over ruled my motion for a XXXX-continuance to prepare or find legal counsel and refused to consider evidence I presented to support my adverse claim to my home. I appealed the trial court 's ruling on XX/XX/XXXX and filed a pauper 's affidavit, which according to the Texas Rules of Civil Procedures, Rule 510.9 ( 5 ) ( e ) should have stopped all adverse actions against me until the Appellant Court decides on my appeal. Despite these rules, XXXX requested a Writ of Possession on XX/XX/XXXX to evict me from the property and the writ was issued on XX/XX/XXXX in violation of the Rules. I was served by a county constable and my lawyer and I have been fighting eviction every since. Despite the fact the writ is now XXXX, XXXX and the constable have continued efforts to execute the writ and evict me from my home despite pending litigation and appeals. This is also in violation of Rule 510.8 ( d ) ( 2 ), which states a Writ of Possession can not be executed after the XXXX day after the judge signs the order for possession which was signed on XX/XX/XXXX. The XXXX XXXX XXXX Associate Judge, the XXXX XXXX XXXX office and XXXX have been avoiding my lawyer, XXXX XXXX XXXX ', efforts to have the writ lifted because of the XXXX Texas Civil Procedure rule violations. I have also been informed by the constable that they plan to execute the writ and evict me from my home within the next three days. I am contacting you because you have assumed responsibility for protecting consumers from such egregious violations of federal laws and illegal foreclosure actions. I am uploading details concerning each case. Please investigate on my behalf.
I was charge over drafted fee of items that where XXXX dollar or less. I had direct deposit set up for this account and I had over {$350.00} with over draft fee for an items less the XXXX dollars with. I spoke to them at the XXXX telling them that I had this happen before and they did not charge and over draft fee for these items. But they said that the charges could not reversed even thought they had done it in the past. My complaint in that they are not consistent in what will have an overdraft fee and what will not. I willing to pay the amount owe but I not happy with paying over {$350.00} over draft fee for something that they did not charge me before
bankruptcy XXXX bankruptcy XXXX i supplied them with letter of dispute and reason and they refuse to update my account in a timely manner.
Received call on XXXX/XXXX/XXXX stating that i took online payday loan in or before XX/XX/XXXX for {$300.00} and have not paid anything, and if its not solved they will proceed with court proceeding, i requested them the detail of loan but they was not able to provide it, first they said i got loan from XXXX and the company name they give was cornerstone partners ( Phone # XXXX and XXXX ) and they said while taking loan i gave reference of XXXX in XXXX but when i check with my bank i found that i did not even had account with XXXX at that time ( then i started reading online about this scam calls and ALOT of people are facing same calls ) here is the link i read it about : XXXX
XXXX   XXXX   XXXX     I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) that I 'm late payment for the account that Credit reporting have listed on my report.
Through the attached communications I am slightly confused by who is the correct person and/or agency to answer the questions that I have concerning the loan and thus, I am forwarding to CFPB to get the answers to the following questions : 1 ) confirm that the ECMC added " collection cost '' fees are payments that they are requesting be made for the skip-tracing tactics that you used to collect the debt including calling references and those not listed as my references in the original loan? 2 ) why would Navient, and not ECMC be able to answer the question in regards to how ECMC defines what the collection cost ECMC is charging in the prior email? 3 ) What is XXXX current role in regards to the debt ECMC bought from them? 4 ) Is the collection charge instituted from ECMC or is it from XXXX? 5 ) Should all questions and concerns be sent to them? 6 ) Does that mean that arrangements can be made with them and not ECMC, are they considered to be one in the same?
I have received a collection notice from Monterey Collections. Their client is XXXX, XXXX. This company went into bankruptcy because they were paying doctors for XXXX and performing unnecessary tests, and were sued. 2 years ago my dr sent me to XXXX for my basic labs ( usual cost around {$200.00} ). XXXX performed numerous other tests and charged my insurance co, XXXX XXXX {$3400.00}. The dr said I would not be charged for these tests which I never consented to. I was not billed by XXXX. XXXX told me it would only bill insurance company, that I was not responsible for amount insurance did not pay. Now that the company has gone into bankrupcy, the liquidation company is apparently putting people in collection for med tests that XXXX never billed us for, told us we were not liable for. I only needed a XXXX, XXXX, XXXX etc.
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

XXXX XXXX ( XXXX  : XXXX  Experian : XXXX  ), Unknown Name ( XXXX : XXXX ), XXXX XXXX/XXXX XXXX ( XXXX : XXXX   Experian : XXXX XXXX : XXXX  ), XXXX XXXX ( XXXX  : XXXX Experian : XXXX XXXX : XXXX ), XXXX XXXX/XXXX ( XXXX : XXXX XXXX : XXXX XXXX : XXXX  ), XXXX XXXX XXXX ( Experian : XXXX XXXX : XXXX  ), XXXX XXXX ( XXXX : XXXX Experian : XXXX ), XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX  ), XXXX XXXX   XXXX : XXXX Experian : XXXX XXXX : XXXX ), XXXX XXXX ( XXXX : XXXX : Experian : XXXX XXXX : XXXX  ), XXXX/XXXX  ( XXXX : XXXX  Experian : XXXX XXXX : XXXX ), XXXX/XXXX   XXXX : XXXX  Experian : XXXX XXXX : XXXX ).

Thank you
For my Chase XXXX XXXX credit card, I notified them of my name change from marriage immediately, as it is a legal name change and I no longer go by my previous name at all. I received an email asking me to fill out a form that Chase was going to mail to me to update my name. I then sent and attached an email with my new driver 's license and social security card to them. I asked for them to immediately update my name and explained the name I wanted it updated to. I explained it was a legal name change, and my name was no longer the same, so this definitely needed to be updated ASAP. They confirmed receipt of the email with the attached files. They continued to ask me to fill out a form they were mailing, and six separate representatives confirmed that after the form was received with my new name information on it, because I already sent in the proper files, my name would be updated. I escalated to management because I felt that I had sent in sufficient information for my name to be updated without the mailed form, however, everyone refused to update my name. All customer service was foreign and kept repeating the exact same information. I received the form, filled out my name as the instructions stated, and sent it back. What I expected was for my name to be updated, but it was not. Instead, I received yet another letter stating that I needed to send in documentation with yet another form to update my name. I called in to customer service and spoke with a representative, and supposedly a manager. Once again, I was given the run around and told that they had no information showing my name change documentation, even though, as I stated previously, I spoke with six people that guaranteed my name would be updated as soon as they received the mailed form with my information. As all of this took over two months, I decided to close my account. I feel that I should not have had to do this, however, after receiving months of run around and incorrect information from people who just kept repeating theirselves, I felt like this would never get resolved. I really feel like Chase is employing people who do not really know what they are doing, they can not make outside the box decisions, or look up information in order to help a customer. They are employing incredibly outdated tactics from the 1980s in updating information on accounts ( requiring mailed letters, etc. ) and there is no good customer service at Chase. I have at least fifteen other credit cards, and I had no issue with any of them except Chase.
A new agreement between the major credit bureaus and 31 state attorney generals states that tax lien and civil judgements that do not have names, date of birth, addresses, or social security number must be deleted from consumer credit file starting XX/XX/XXXX. TransUnion has a " Paid '' tax lien on my report that meets these standards. This Paid tax lien does not include my name, date of birth, address, nor social security number. XX/XX/XXXX I spoke to TransUnion representative Son. I requested over the phone that the tax lien be removed from my report because it does not meet the above standards. The representative stated that yes he believed it should have been removed before XX/XX/XXXX, but the system had not automatically done so. He placed the request to have the tax lien removed and stated that it could take up to two weeks. I asked why not immediately, since a month has already lapsed. He stated that was their policy. XX/XX/XXXX at about XXXX XXXX I called TransUnion to re-verify that removal of the tax lien was in there system and being process. TransUnion representative XXXX stated that no dispute was in the system for tax lien removal. He was apologetic and stated that he would place it in the system. I informed him to place the request in the system but that I was also going to send a written request to have it deleted. XX/XX/XXXX I called to re-verify request was in TransUnion system. TransUnion representative Al stated that the request was in the system and that the tax lien should be removed in about XX/XX/XXXX. I re-iterated to Al that it was illegal what TransUnion is doing because my tax lien meets the requirements to be remove /deleted off my credit report. Finally, I log into TransUnion online dispute to see if anything showed the status of any dispute and I could not see the status nor any details about the dispute. Instead the page stated, Request Submitted '' and " Request Failed ''. So, TransUnion has verbally acknowledge they have the dispute in their system, yet I can not view any information about the dispute online, which advertise that you should be able to see the status of any dispute online. Note : I keep putting into CFPB my correct date of birth is XX/XX/XXXX and the system keep changing it incorrectly to XX/XX/XXXX. CFPB there is some type of glitch in your system because 3 times I put DOB XX/XX/XXXX and your system changes it to XX/XX/XXXX. To whom ever reads this, my correct date of birth is XX/XX/XXXX
I was a member of the XXXX XXXX and was XXXX in XXXX due to injuries sustained in XXXX I had a XXXX XXXX XXXX with a {$8400.00} balance in XXXX. So far, XXXX XXXX XXXX has collected a total of {$8700.00} from my tax returns and an additional {$1900.00} from my pay checks. I contacted XXXX XXXX XXXX and they informed me that they contacted via mail back in XXXX, but since they sent it to a wrong address, they said I forfeited a settlement and they took garnishment actions. I have not heard anything from them in 5 years, yet every time I turn around, they are taking money without me knowing. Had I not called The XXXX XXXX XXXX XXXX today, I would have never known about the garnishments of my wages. I have asked AAFES and XXXX numerous times for a breakdown of what I owe and have yet to receive anything since XXXX. I am a little confused on how this is the slightest bit fair.
I have asked several times about the Obama repayment loan and I have though I was already placed in it. However I have not been helped by my loan servicer they just continue to give me the same rates and put me in their plans that increase my loan by a crazy amounts every year.I have tried to get into the Repaye or Paye and I have had not luck with help from my loan serivcerr. It seems like they do n't care. I have asked to be put another program where I can pay my loans down increase what I pay towards other loans but they just advice me otherwise but I have bills that could have been paid of years ago if they would work with me now XXXX is XXXX. I have been XXXX for 5 years and I have had no help with my loan servicer. I asked them 5 years ago about this plan but they just told me I had to wait 5 years. Come to find out I should have been put in the 10 year program so I can have a better rate and get forgiven after 10 years I have waisted 5 years and I am angry with both Navient and NELNET. I have teacher loan forgiveness for XXXX in like only a penny in a well drop for my loans.
We took out a lease on a 2018  XXXX XXXX. The leasing company was extremely slow in providing us with any invoice or bill which contributed to the confusion. We purchased the vehicle inXX/XX/2018. A payment for the vehicle was made at the time of purchase. A subsequent payment was made in XXXX for the amount due. Another payment was to be made in XX/XX/2018 in which we were late. This payment was made on XX/XX/2018 as per the attached confirmation. This was several days before it would have been 30 days late ( XXXX ). In the leasing companies over zealous handling of this matter they now show us late on our credit reports. This was explained to them by phone, but their representative either did not understand it or did not care. We are attempting to avoid litigation but our patience is running out. We have attached the confirmation sent to my wife 's email.
This is my 8th letter to all XXXX bureaus and I 'm making complaints against all XXXX of them. I notified them that if they did n't comply with the FCRA that i would make complaints so here I am. TransUnion, specifically, is reporting late payments that i know to be incorrect and in XXXX TRANSUNION, 1997 it specifically states that Congress says that the FCRA is in clear language that they need to reinvestigate and go beyond the original source of information to ascertain that the information they are receiving is complete and accurate. Congress also states that the only way they can legally verify something is with firsthand knowledge which means that they have to have the actual documentation that proves that i was late. So does that mean that they have the creditors ' bank statements to show when my payments were received? No, they do n't. So then how are they verifying this information? By using XXXX and parroting what the creditors say? That 's not legal verification! Do I have to take them to court? How are they going to prove it then? They 're not going to be able to do so and I will win and they will need to pay me for XXXX up my life, my credit, my finances, my income ; everything. Here is the information that i am disputing with TransUnion : XXXX How are you verifying these account when both you and XXXX are reporting different lates?? Tell me that?! I NOTIFIED YOU THAT I WAS N'T LATE ON THIS ACCOUNT AND XXXX could n't even verify these lates and so they removed them and they are the most incompetent bureau between the XXXX of you, so why are n't you complying with the FCRA? Why do I have to go to these lengths just to get you to do your job? What 's wrong with you guys? Listen : I was n't late. I was n't late then, I 'm not late now, I was never late. Remove this immediately! 
XXXX How are you verifying these account when both you and XXXX are reporting different lates?? Tell me that?! I NOTIFIED YOU THAT I WAS N'T LATE ON THIS ACCOUNT AND XXXX could n't even verify these lates and so they removed them and they are the most incompetent bureau between the XXXX of you, so why are n't you complying with the FCRA? Why do I have to go to these lengths just to get you to do your job? What 's wrong with you guys? Listen : I was n't late. I was n't late then, I 'm not late now, I was never late. Remove this immediately!