WillisBack/dataset-financial-user-claim huggingface dataset:
I have a student loan with Sallie Mae. I have paid this student loan off in XXXX payments in XXXX XXXX and XXXX XXXX. I have submitted proof several times that I have made the payments. The proof I have submitted is the receipts and bank statements. I have been called a liar by Sallie Mae and have been told that I have altered the bank statements which is n't true. I have even offered a bank statement that shows the amounts being withdrawn from my account and the statement has been stamped and signed by the banks branch manager, Sallie mae has refused to look at this. Sallie Mae has defaulted my loan and has now threatened me to pay {$2600.00} by XXXX/XXXX/XXXX which I do n't have not should I have to pay because I have paid this loan off or they will turn this over to a collection department and this will be detrimental to my credit. I really need help with this so it does n't impact my credit. Sallie Mae has been the worse creditor to have to deal with.
Collection company XXXX partners sold this account to another collection agency Capio partners and has left the account open.
OnXX/XX/XXXX, I was notified of a garnishment that would soon commence by the Human Resource department. After reviewing the summons signed by judge, I was able to ascertain a case number for the judgement. The summons was submitted by Plaintiff : c/o XXXX XXXX XXXX, XXXX Aldridge Pite Haan XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX. XXXX. APH File number : XXXX. This is where it gets squirrely. Based on the case #, I was able to pick up copies from the court house., XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX , Attorney at Law - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX , GA XXXX XXXX filed a suit stating an amount owed of {$1000.00} plus $ XXXX-attorney fees ; interest {$350.00} and court costs of {$100.00} totaling {$1600.00} with {$5.00} FiFa fees. Included are also 4 different bills for sale for companies that are all out of business. There is also a generic cardmember agreement for XXXX XXXX. On XX/XX/XXXX, XXXX XXXX XXXX  filed an affidavit for breach of contract and failure to file answer with court. I have no contract. I never received copies of the summons nor judgment. XXXX XXXX XXXX sold account to Aldridge Pite Haan, which have filed to enforce judgement by way of garnishment. However, After contacting XXXX XXXX XXXX to ascertain what the debt claim is for, they advise they have no information and are working solely from the judgment. The current company Aldridge Pite Haan, also state they do not have any information regarding the debt. Aldridge Pite Haan filed for garnishment in the amount of {$2800.00}. I do not know what this debt is and unable to trace through my credit report either. Please help! I have exhausted all avenues to trace the origin to no avail, as all are out of business or claim to not have the information. I do n't understand how companies can file legal paperwork with no proof of debt. In my attempts to research, I also found documentation of shady business practices by XXXX XXXX XXXX XXXX XXXX. I believe my case falls within claims against XXXX XXXX XXXX XXXX XXXX.
Bank of America was XXXX position mortgage on my home and failed to perform a title search and subordination agreement with XXXX lien holder XXXX XXXX XXXX XXXX. When I went to sell the home the XXXX lien holder told me they were in XXXX position as Bank of America failed to perform the appropriate title search. Contacted BOA and asked for them to process a title search and subordination agreement with XXXX. I was told to send a fax to the subordination department, which I did on XXXX XXXX, 2015. Called to follow up. Transferred four times. Disconnected from the line. Called again. Transferred three time. The final agent told me he could n't help me and did n't know where I needed to go. He asked me to start with a loan officer. One hour on hold and the bank does n't know how to file the appropriate subordination agreement and title search? This process has been ongoing for over two years in trying to get the house sold while avoiding foreclosure with Bank of America now failing to perform a title search and subordination agreement with the second bank now telling me to work with the first bank ( BOA ) and them not knowing what to do to fix the problem.
On XXXX XXXX, 2017 I place a fraud alert on my credit file that indicates that if anyone runs my credit, they need to call me to verify and that was not done which violates my rights as a consumer. I reach out to XXXX, and Equifax on more than one occasion to advise them of these unauthorized inquiries and they have done nothing about it. I also have a police report for my wallet being stolen which had some of my personal information in it and I believe that someone has been trying to apply for credit in my name.
I do NOT have a signed contract nor any contract with SYNCB/XXXX, Walmart or XXXX XXXX XXXX I have never done business with this company. They failed to provide me with a signed contract that validates them to collect this debt. I am not liable for these collections. I should not be responsible for a debt that I did not do. I am a victim of identity theft and I had to submit a police report and FTC affidavits the credit bureau for proof that my identity was stolen and these companies are still is saying that I owe them. My next steps will be to get an attorney and sue because they are calling me after a do not call letter had been sent. They are destroying my credit with this false accusation of this account. I sent them a letter requesting proof any contracts, signatures, a copy of my id anything that shows I opened these accounts and all they sent me was a bill which only shows me that someone went shopping.
fraud/identity theft/lies/- on XXXX XXXX 2016 I called wellsfargo bank I was reviewing my account and thats when I found an account created by the bank ending on XXXX. I filed a claim the fraud department on same date and they created another account ending in XXXX and I cancelled it immediately on same date and time i never activated, authorized or signed anything. on XXXX XXXX,2016 the credit card solutions executive office. whent and remove/added/changed/all information on the account ending on XXXX and XXXX. And incredibly they put over fifty transactions including multiple duplicate dates on account ending on XXXX that was cancelled on XXXX XXXX 2016. then the account ending in XXXX showed an outstanding balance of {$6200.00} going back to the same as the period account ending on XXXX and they to had over the 50 plus transactions.
Got a letter from executive XXXX XXXX signed by XXXX XXXX stating that they issued a credit and I attempted a balance transfer the review was not complete and the transaction was completed and they rebuild the account and became over the limit and no fee 's were charged and any pmnt amount includes the over the limit plus minimum pmnt. Got another letter from XXXX XXXX XXXX executive office from another analyst and signed by her XXXX XXXX and she states that the account ending XXXX account was open on XXXX/XXXX/2016. So here we have the fraud/lies/theft from the executive office personell. The first letter states very clearly the XXXX account was created on XXXX/XXXX/2016 and closed same day. The the other executive office personel stating that this account ending on XXXX was created and open on XXXX/XXXX/2016.
I have absolutely no idea what this account is, I have never opened a account with this creditor nor this debt collection agency and want this removed. 

I have notified my local Police department ( XXXX XXXX county sheriffs ) of this fraudulent account and have made a police report, also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud reports with them. 

The account The Bureaus for {$950.00} with the balance date ( X/XX/20 )??!?!?!?! And XXXX for {$600.00} I have never had a XXXX account nor have I opened a card or left a balance of anywhere near {$950.00}.
This trade creditor inaccurately reported on my credit report that a bankruptcy was filed.     The original date of the debt was   XXXX  . Nothing appeared on my credit report for over   XXXX   years. Until I went to apply for a home mortgage, they reported a balance of {$130.00} balance was charged off due to a bankruptcy.     There was no bankruptcy ever filed.
I HAVE DISPUTED THIS ACCOUNT NUMEROUS TIMES AND IT IS NOT RESOLVED. THIS ACCOUNT DOES NOT BELONG TO ME. I HAVE NOT EVER SIGNED FOR NOR AUTHORIZED AN ACCOUNT WITH THIS COMPANY OR THE COMPANY IT REPRESENTS. Hunter Warfield INC IS NOT MY ACCOUNT
The is a scam. The company STATEWIDE LEGAL MEDIATION is claiming to represent XXXX XXXX XXXX ... The company has NEVER ( I called to verify ) had me as a client. This company in an effort to catch them I allowed a {$10.00} charge which I disputed from my bank had removed today. I also had my banking information changed as well. This company is very crafty.. They have your last four and birthday info like most of these companies. You just CAN NOT and should not give them any more info ... Thank you
Re : Professional Adjmnt Co acct # XXXX, # XXXX, # XXXX, and # XXXX Dear XXXX XXXX XXXX, I have never received any written correspondence from this company. Professional Adjmt Co reinserted a collection ( s ) to my credit reports with XXXX, XXXX, and XXXX  that results from crime ( s )  that have taken place. This is invalid. I didn't received any services or goods from the original creditor. However, I am still held responsible for this debt. You also have violated the FAIR DEBT COLLECTIONS ACT by adding a collection to my credit reports without my knowledge. Furthermore, you are also in violation of the FAIR CREDIT REPORTING ACT by reporting inaccurate information to data furnishers XXXX, XXXX, and XXXX. You were froward copies of an FTC Identity theft report and a sworn copy of an identity affidavit. Still you fail to comply with laws you are legally binded to adhere to. Failure to comply shall led to legal actions with Professional Adjmnt Co if this debt isn't removed. All the appropriate paperwork was notarized then froward to your company from the following credit bureaus XXXX, XXXX, and XXXX. Lastly, I am not responsible for the outstanding of these debts due to be incarcerated as well. Please take all documentation into consideration and delete these accounts. 

Thank you.
On XXXX XXXX I attempted to get my credit report on Equifax web site and it said the information did not match their records. Equifax has not updated my student loans accounts XXXX XXXX XXXX/XXXX accounts. 

They where consolidated on XXXX XXXX and my Equifax report still shows balances and that the fifteen accounts open with balances. 

This is negligence on their part and I am writing this complaint because they have not updated my report to reflect the account closed and paid.
The Bank of America foreclosed my checking account with a balance of {$5000.00} despite the fact that I filed police report and check fraud claim with the bank.
I was a victim of a check fraud through a customer of the bank this is because   XXXX   XXXX   mailed two checks to my address under the instruction to pay sum of {$6500.00} to   XXXX   XXXX   with acct no -  XXXX   and   XXXX   XXXX   XXXX  , the sum of {$7900.00} with acct no-  XXXX   all in the Bank of America.
After the transfer into these two accounts at the Bank of America the two checks went bad. The bank ought to have protected me as a customer by not allowing these two transaction go through.
On XX/XX/XXXX after completing the 3 month trial payment, forbearance plan, ( repayment plan ), I  received the loan modification agreement had excessive fees of over {$100000.00}. 
My regular principle balance was to go from {$96000.00} to {$160000.00} and my deferred principal balance was to go from {$96000.00} to {$140000.00}. I was to sign the agreement and have it back with in 3 days. I called my mortgage service provider on these excessive charges and was given an answer that my loan was figured out at 40 year payoff. I also brought up that it couldn't be correct since a balloon payment was expected in 18 years. I denied the modification, paid the arrears in full and mailed it XX/XX/2018. Received a letter from them on XXXX, dated XXXX, stating that all monies submitted were put in a forbearance suspense account and that {$250.00} of the remaining funds are applied toward the suspense ( partial payment-credit account ). I requested that any overage in payment are to go to my interest bearing principal.
AMEX has refused to chargeback {$4000.00} despite the fact that I was victimized by a con scheme at a time I was grieving the loss of my husband. The circumstances are as follows. My husband of 58 years, XXXX XXXX XXXX XXXX died on XX/XX/2018. His Obituary was published on XX/XX/2018. On the same day, I received a telephone call from an imposter posing as " Officer XXXX XXXX '' who stated that my grandson, XXXX XXXX has just been XXXX  for XXXX and XXXX XXXX XXXX. He put another imposter on the telephone acting as my grandson who said : " I know this is a bad time ( crying ). Please don't tell my father, I'll tell him myself. I'll pay you back. I'm innocent. '' The " detective '' said that to clear my grandson, I needed to purchase two {$2000.00} XXXX XXXX gift cards. Flushed with agony, I immediately purchased two {$2000.00} gift cards using my AMEX credit card. The " detective '' instructed me to give him the gift card numbers and destroy the card. I gave him the numbers but did not destroy the cards. Hours later I began to realize that I had been victimized at a time when I was most vulnerable. I promptly reported the episode to the Police. A copy of the Report is annexed together with the Obituary and the AMEX denial
I am a reference for my god daughter. Great Lakes 1st called and tried to get information about her because of an " emergency ''. Now I have a letter that offers me condolences because they have information that she died. These are obscene methods to collect
I cant give dates because the loans were for my daughter and didnt know I owed any money until I was notified by phone. I had to give my income information due my daughter still lived at home and was under age XXXX. I told the lady in the financial aid office I only wanted my daughter to receive money that didnt need to be paid back. I signed for her to get Grant money but my signature was then used for XXXX XXXX loans which I had no idea was done until XXXX months after she graduated and was notified the money was owed. She graduated in XXXX I think. Sorry I dont have much information but XXXX I was never sent any information and second the school she attended is now closed.
In 2013 I voluntarily terminated a lease agreement for a rental apartment. 

I was billed for the full remainder of the lease agreement ( approx. {$8000.00} ) Washington State law requires the property owner to mitigate damages by attempting to re-rent the unit, and they may only bill me for the time that the unit was empty. 

The amount was never adjusted. 

The property is no longer owned/managed by the same company, and no records have been provided indicating when the property was rented. 

I have contacted the collections agency multiple times to get the debt adjusted, or even prove the validity of the debt, and they have only ever provided me with the original rental agreement.
I was scammed into buying a puppy over the internet which I paid by Money Gram {$700.00}. Then the shipper contacted me and demand {$1500.00}, then the next days demand {$1300.00} which I paid XXXX of those by Money Gram and when he demanded yet another payment of {$2400.00} I refused. Now I have no dog and no money. The dog breeder was XXXX and the shipper was XXXX Pets XXXX.
I pulled my credit report to purchase a home last month. I never checked this prior to now as I was n't getting any loans. I found that XXXX was reporting a credit card I have never opened nor used. I have disputed the charge with XXXX of the reporting agencies twice now. On both occasions they reflect updated. I have yet not been provided with any proof that I in fact was the opener of the account. The only history is the total amount due and a few dates. There are discrepancies on each report in dates and payments. My lender suggested I offer to pay this fraudulent debt to have this negative account ( I have zero knowledge of ) removed from my credit reports. XXXX refused to accept a payment to satisfy the account while still refusing to provide any information to prove in fact that the account was opened by myself. When this account was open I was also the victim of bank fraud with my local XXXX. I had airline tickets purchased in my name without my consent. I never imagined someone would have been able to open a credit card as well. The TransUnion Report reflects that in XX/XX/2014 a payment of {$35.00} was made. All the other reports show zero payments. The TransUnion Report also shows last payment made XX/XX/2014. XXXX shows a contradiction with a date of XX/XX/2014. The XXXX Report shows account closes/charge off on XX/XX/2014 TransUnion Report shows date close/charge off on XX/XX/2014. XXXX has a duty to to give me a written response within 30 days to prove validity of account.
XXXX XXXX {$590.00} & XXXX {$680.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim ... accounts were settled with original creditors ( Debts can not be collected twice ) ... grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
I 'VE BEEN HAVING ISSUES WITH MY WELLS FARGO ACCOUNTS FOR SEVERAL YEARS NOW BUT EACH TIME I HAVE CONTACTED A WELLS FARGO REPRESENTATIVE ABOUT MY ISSUE I NEVER GET A ANSWER THAT I 'M COMFORTABLE WITH. I 'LL CHECK MY ACCOUNTS AND I WILL HAVE A CERTAIN AMOUNT THEN THE NEXT DAY MY BALANCE WILL BE EXTREMELY LOWER THAN IT WAS THE DAY BEFORE, WELLS FARGO WILL ALWAYS SAY I HAD PENDING TRANSACTIONS THAT DID N'T CLEAR YET BUT I KNOW IT 'S NOT TRUE BECAUSE I KNOW I DID N'T SPEND THAT AMOUNT BUT IT WAS NOTHING I COULD REALLY DO BUT EXCEPT WHAT THEY TOLD ME WITHOUT ANY SOLID EVIDENCE. THIS HAS BEEN HAPPENING FOR YEARS NOW AND IS STILL HAPPENING TODAY. I FIRMLY BELIEVE WELLS FARGO IS STEALING MONEY FROM MY ACCOUNTS BUT THERE IS NO WAY I CAN PROVE THIS WITHOUT A THOROUGH IN DEPTH INVESTIGATION AND EVIDENCE.
I cosigned a student loan for my daughter with American Education Services. The payments were {$60.00} per month, and I was sending {$100.00} figuring the overage would be paying down the principal. I started receiving monthly statements showing no monthly payment necessary. I called to question this as the balance was not going down yet the amount of interest paid was going up. When I finally spoke with someone he said that i was paid so far ahead that no minimum payment was necessary but the interest was still accruing. I explained that the overage should have been applied to the outstanding balance not to future payments. I kept trying to get in touch with someone farther up the ladder to get this straightened out. But no one would return my calls or letters. I started repaying this loan in XXXX and as of XXXX XXXX I had paid {$5400.00} dollars in interest, {$2700.00} in principal, and had a remaining balance of {$5200.00} at 7.41 % interest
This is a ( QWR ) QUALIFIED WRITTEN REQUEST : XX/XX/2018 Please provide all documents for this loan to include payment history made by borrower and all payments to others made by loan servicer on borrowers behalf Please provide all documents and statements for all three modifications mentioned, to include all settlement activities as provided by RESPA, and any cost as provided by RESPA Please provide all fees and charges paid to others on borrowers behalf and to whom the fees were paid and why to include a breakdown of those fees, check copies front and back, who requested such payments with copies of request and who authorized same.
My real complaint is regarding communication but no correct option to check as there was NO communication at all from either XXXX XXXX or Americollect. The only way I found out about the debt collection was an email from my credit monitor once I was already in collection. I participate in a XXXX XXXX program that posts statements online and allows XXXX to communicate directly with me without mail or phone but XXXX provided no communication. Although XXXX received XXXX payments since XXXX, 2016, XXXX was the last statement posted online so I could not see payments applied and XXXX accepted payments after they put me in collections. There is no debt and payment to Americollect would constitute duplicate payment. I have repeatedly requested a document from XXXX showing all payments, at what point I went into collections, and why I was put in collections. Still waiting ; not provided and they could have posted this immediately online if they had been willing to.
I am being billed for an item I have no knowledge of, until I received a letter from the collection agency. I was out of the country for a period of time and I believe someone that resided with me at the time, created an account with out of my knowledge.attached is my credit report
I had disputed a late payment in 2012 with capital one account ending in XXXX. I had done this before but never took the time to look into the statements or billing information until now. I uploaded all of the information I had and got notification that I was indeed correct and the 1 late payment would be removed. However it got removed off of XXXX ad then put back on. When I spoke with the rep. He said that I would have to dispute it again because the next billing cycle was updated and the credit card company is still showing the one late payment. I thought that was the purpose of disputing to have the incorrect information removed not put back on every time the credit card reports your payments. I am a single mom who is working full time and going to school. I have put a lot of time and effort into this dispute to now have to do this all over again. Please help me.Sincerely XXXX