WillisBack/dataset-financial-user-claim huggingface dataset:
I have contacted BOTH companies numerous times. Conns sent me a letter stating this is sold to XXXX. XXXX sent me a letter stating they have contacted the ORIGINAL creditor numerous times with no response. I have since mailed/emailed XXXX as well as Conns to remove this # XXXX it 's not mine # XXXX they can not /have notverify this account no response since XXXX 2016
I was contacted by phone on XX/XX/XXXX XXXX XXXX regarding an alleged debt from this debt collector ( LD ) Local Data Recovery LLC. XXXX XXXX XXXX XXXX, GA XXXX. I was unable to answer the phone and they left a message about an alleged debt. I contacted the company and advised the person on the phone that the conversation is being recorded and then asked that they provide something in writing what they were calling about. I asked the person on the phone XXXX XXXX to email me a copy of the letter, however I was transferred and told I would not be sent a letter regarding this debt. On this date they mentioned filing a lawsuit and garnishment of wages although nothing was provided to me. 
I was left another voicemail on Friday XX/XX/XXXX at XXXX XXXX stating they left me several messages and i failed to respond ( which is a lie ) and my file would be forwarded requesting judgement against me. I called the company back on XX/XX/XXXX at XXXX XXXX. and was placed on hold for several minutes. I hung up and called the company back at XXXX and again advised the call is being recorded with the person that answered XXXX XXXX. I again requested a letter sent to me by email regarding what they were calling me about. I again provided an email address for her to send me a copy of a letter regarding what they were calling about. I did advise the company that I am a victim of identity theft and I was requesting a letter or something on paper showing what they are calling me about. I also asked her several times for the company 's mailing address which she refused to provide. First she said they have addresses in different counties then when I asked again she just kept asking me about settling this alleged debt. I continued to ask for an address and at this point I was placed on hold. I indicated a voice time stamp of the call while i was " on hold '' that was being recorded and immediately a gentleman picked up the phone and said something to the effect of they were listening. It seems this company like to play games. I asked him for a copy of a letter regarding what they were calling about. He claimed that this debt has been going on for years but yet again refused to send me a letter. His response again was that they are not saying anything and I would be sued. There are multiple complaints found on the internet regarding this company 's collection practices. No proof has been made available to me so therefore these collection efforts need to stop. This company should be fined or shut down for its illegal debt collection practices. I have all these phone calls recorded, FYI.
I purchased a chair on XXXX/XXXX/15 for {$950.00} at XXXX XXXX in XXXX XXXX. I charged the amount to my Chase business card. Later I saw that the {$950.00} had been charged twice. I disputed the double charge and initially received a credit from Chase in XXXX. The merchant then submitted documentation to justify the XXXX charge which was a different person, in a different city for a purchase of {$11.00}. I responded to Chase and explained that the merchant had submitted incorrect information. Chase promised to continue the dispute. On XXXX/XXXX/2015 I was rebilled by Chase for the disputed amount of {$950.00}. I called the bank and was told the charge would be handled as a fraud case. I received a new credit card. Today ( XXXX/XXXX/2015 ) I saw online that the charge had not been removed from my account. I called Chase and was informed that the merchant hat verbally stated that the charge was part of an installment plan for a {$5000.00} purchase and the charge was seen as legitimate. As I do n't have an installment plan with this merchant and did n't make a purchase for {$5000.00} I asked the bank to continue to recover the false charge. I spoke with a supervisor who told me this case was closed and that Chase would not pursue the matter further. Previously, a Chase employee had told me " off the record '' that I should contact you to resolve this issue if the bank refuses to help me.
I have information from equifax that my financial details where given to third party in a data breach. I have a account on my files that's not mine. This also changed my credit score.
Loan Assumption  closing on  XXXX   XXXX ,   XXXX   This has been a horrific process!    Original Loan f rom  XXXX  and  XXXX   XXXX   XXXX  AFR/ XXXX .    XXXX   XXXX   XXXX   XXXX , In  XXXX  was assumed by  XXXX   XXXX   XXXX  on  XXXX   XXXX ,   XXXX   File #  XXXX  through  XXXX ,  XXXX .   We requested an assumption package from AFR per their request and was completed per their request in  XXXX  this process took approximate 5 months with numerous paperwork requests from both parties.   I have contacted  XXXX  and left numerous messages with no return calls. I have been receiving bills still on this home from AFR mortgage  XXXX  when  XXXX   XXXX   XXXX  has received bills from his assumed loan from AFR and is making payments, but yet I am still receiving bills. When I called AFR I was told they needed a copy of the Recorded agreement,  XXXX , and  XXXX . This should have all been taken care of through their own company/title company and subcontract company. I spoke with a supervisor  XXXX  who stated he was unable to assist me through customer service. Please Help! We closed on  XXXX   XXXX ,   XXXX   and this is still an issue.  XXXX   XXXX   XXXX  or  XXXX   XXXX   XXXX  I have sent all the information that was given to me at closing,  XXXX  has all the copies because we closed at the house and he was the buyer/assumee.
I called my credit card company to request a letter confirming a transaction ( {$6500.00} on XXXX/XXXX/2015 ). I needed this because of a dispute with XXXX regarding a hospital bill I had paid. The representative seemed very confused by my simple request but eventually said that he would " submit a ticket ' for the request. When I had not received anything after 2 weeks, I called once again and asked to speak to a manager. I explained again what I needed and the importance of getting my request completed in a timely manner and was told that the ticket had been sent to the wrong department and that a letter had been sent to me to say that I would have to pay {$5.00} for the research and that the research could n't begin until I had received the letter and called them to confirm that I would pay for the research. I never did receive this letter ( or any other communication regarding my request from them ). 
It has been over a month and they are unable or unwilling to help me with this request. In addition, they were dishonest in informing me that they had sent a letter to me. 
I am now in a situation where despite providing my credit card statement and a hospital statement showing that I made the payment I can not get this resolved until I receive the transaction verification from my credit card company.
While checking my credit reports I discovered a collection listed by XXXX XXXX XXXX XXXX XXXX  Act. # XXXXin the amount of {$1000.00} I immediately sent XXXX XXXX a certified letter requesting verification. I received no reply whatsoever. I pulled another credit report 30 days after XXXX XXXX  signed for the original letter and the collections account had not been removed or marked as diputed as required by Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I then sent a second certified letter and again got no response From XXXX XXXX. As of a XX/XX/XXXX Credit report pull the collections item is still on my credit report and there is no notice of dispute, ( a violation of the Fair Debt Collection Practices Credit Reporting Act, and the corresponding local state laws ). I filed a complaint with CFPB. in their response, XXXX XXXX did not address any of the issues in my complaint but instead mentioned about some account from XXXX XXXX which I know nothing about.They did not address at all the XXXX XXXX XXXX Account, which was the subject of my certified letters to XXXX and my complaint to the CFPB The sloppy procedures and erroneous reporting of XXXX XXXX XXXX XXXX XXXX result in their non compliance with Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws and is causing me financial harm, In summary, it has been over 3 months since XXXX XXXX received and signed for My first certified letter on XX/XX/XXXX and to date they have not provided me with " validation '' ; that is competent evidence that I owe them this debt and their inability to do so requires that they remove the item from my credit reports. I could not even get a response from hem until I filed my original complaint and when they responded to the complaint their response did not address The XXXX XXXX XXXX account which was the subject of the complaint.
I signed up for automatic payments at the inception of my loan. Records show I enrolled XX/XX/XXXX. In XXXX, an auto payment did not process, and I had a late payment that I manually processed. Each month, I go to the servicer 's website a couple days before the XXXX to see that it's set to take the automatic payment. This month, I went to the website on XX/XX/XXXX, and it said the next payment was scheduled for XXXX, and the previous payment was XXXX. There was no record of a payment that would process or that was in process for XXXX. On XXXX, I checked my bank account, and no payment was processing for my mortgage. The servicer 's site still did not show any payment scheduled or processing for XXXX. I made the payment manually on XXXX so my payment would be on time. Now on XX/XX/XXXX, an automatic payment is processing in my bank account, and the servicer 's site shows two payments received on XXXX. To compound the issue, both payments on XXXX are being applied to principle, interest and impounds ; however, the terms of the Deed of Trust require the additional payment be applied to principle due since interest and impounds were already paid with the first payment. When I contacted the servicer, they said they wouldn't allocate the payment differently. They invited me to send documentation to a fax number to request payment reimbursement, and indicated it will take XXXX weeks before I have my money back, after I send in the information. I tried to unenroll in the voluntary automatic payments, and there is no option to stop the automatic payments from the website.
In XX/XX/2016, we lost my wife 's mother. We had to utilize more of our income than normal to take care of our bills, the funeral and our businesses. We were staying above water until the end of the XXXX. My wife is also an XXXX. They do not get paid in the month of XX/XX/XXXX. We missed out on that income to help us pay for our bills and our mortgage. I was able to pay part of it, but not all of it. I called to set up a payment recovery plan with my mortgage lender and they agreed to it. But I did not realize that, in doing so, I was going to have mortgage payment ding my credit score. We are looking initiate the process of refinancing the mortgage in a few months and also further invest into our businesses. This mark against my credit score has severely impacted our ability to do so. I have consistently paid our mortgage and have not had any late payments until last month. My request is that the late mortgage payment be removed from my credit score. As of today, I have met the payment recovery schedule in completion. And we are on track to pay for our XX/XX/XXXX mortgage payment on time.
My credit score dropped almost 75 points and when I got a credit report the only negative was for a collection dept to XXXX XXXX for {$55.00}. The company that reported this was Sequium Asset Solutions fro XXXX, Georgia. I called XXXX  XXXX and they have no record of this debt and I am current with my XXXX   XXXX bill paid through XXXX  XXXX. I have tried to call Sequium but they do not answer the phone. I left a message but they did not return my call. I suspect fraud in this case and this has prevented me from doing a refinance.
I am a XXXX graduate from XXXX XXXX, where I obtained a XXXX. XXXX/Navient has made it nearly impossible to pay a more affordable monthly payment. I became divorced in XXXX, which resulted in my income cut in half. I had to file bankruptcy in XXXX, and i was unable to afford my monthly payment at the time. I also lost my job in XXXX, and they refused to offer me any grace while I tried to find a job. I was unable to pay, and my co-signer who is my mother is XXXX. They attacked both of our credits and harrassed us up to 10 times a day. At one point they stated that by law I had to enroll my account in auto draft, when they took several payments out of my account without my permission over a course of 2 weeks, sending my account negative hundreds of dollars. They made me complete forms in order to receive my money back and it took several weeks. I am a single mother of XXXX children, which created for an unlivable situation. They also have made it impossible to consolidate to a lower rate, since my accout was delinquent in the past. Although, I realize I am responsible to pay back my loans and I am willing to do so, I am unable to afford the monthly payment at the rate they insist can not be changed according to my salary. Whenever I call them, they tell me something different everytime. They are never ever consistent with any of their answers. They are a horrible company that was literally created to make people 's lives a living nightmare. Please help us!
FromXX/XX/XXXXthrough XX/XX/XXXX I rented from XXXX XXXX paying XXXX monthly. Upon providing my 30 days notice in XX/XX/XXXX, I moved out on XX/XX/XXXX. XX/XX/XXXX I went to XXXX XXXX 's office in XXXX, Tn to return all keys and garage openers. I asked if anything else was needed, nothing more was needed and I scheduled to be present during the final inspection walk through. After the walk through with maintenance/inspector was complete, I called XXXX XXXX again and spoke with XXXX XXXX XXXX to ensure nothing was else was needed, I was told everything was complete and that my deposit would be mailed out to my new address. In late XX/XX/XXXXI received my entire deposit back in FULL to my new address that was provided. 

9 months later : This year XX/XX/XXXXXXXXXX/XX/XXXX I started receiving calls from a collection agency ( NATIONAL CREDIT SYSTEMS ) stating that they were calling on the behalf of XXXX XXXX. The woman on the line stated that I owed XXXX XXXX {$90.00} in unpaid debt, I informed her that I would not speak to her regarding that matter because it could be a fraud to collect money. I contacted XXXX XXXX on XX/XX/XXXXand was transferred to collections, after not being able to get through I left my name and phone number, and was informed that someone would call me back. After no response I called back on XX/XX/XXXX and was transferred to a voicemail again. No one EVER returned my call and the collection agency calls stopped as well. I thought it had to be a scam because I never heard from either party again. 

That is until XX/XX/XXXX a collection account from XXXX XXXX in the amount of {$90.00} was placed on my XXXX and XXXX report causing my credit score to drop drastically. I do not owe this debt, all debt was paid in full before I moved and my deposit was refunded back to me in full.
Collection Agency reported a collection on my credit report without notifying me in any way whatsoever of this action. The debt is not mine. 

Other companies have contacted me regarding this debt in the past and have claimed it went delinquent in XXXX, which is past the statute of limitations in my state. Midwest Recovery Systems, who is attempting to collect this debt now, claims it first went delinquent in XXXX of XXXX which is a misrepresentation of what has been claimed by other agencies in the past. 

The company has claimed that it is completely legal to place a collection on my credit report without notifying me or allowing me an opportunity to dispute the debt.
The amount of {$51.00} dollars was added to my credit report for collections. Incorrect information added saying the account is 2 years old. No contact with IC Systems.
I was enrolled in an auto-pay program with Navient. The information made available to me was that the payment program could be cancelled by me at will. I cancelled the auto-pay on XXXX XXXX, XXXX, before the scheduled payment on XXXX XXXX, XXXX ( because I had closed the associated bank account. At the same time I made a one-time payment to cover the current bill ). Navient tried to withdraw the scheduled payment anyway, and has now charged me a fee of {$1.00} as a result of their error. I spoke to a supervisor named XXXX ( he refused to give a last name ) at XXXX XXXX PST on XXXX/XXXX/XXXX to correct this error, but he refused to take responsibility. Although my auto-pay program was said to be at will ( even in a document dated XXXX/XXXX/XXXX ), he said that Navient required 10 days notice to cancel the payment. I require my money back.
A year ago I dealt with a scammer that got me to open a bank account and then proceeded to try to commit fraud using my account. My account was locked and I notified the bank of the fraud but was told that I would have to wait for them to contact me. I started getting calls from a woman named XXXX XXXX who claimed that she was from the fraud prevention department of XXXX. I finally got the call from her instead of it going to voicemail on XX/XX/XXXX. She claimed that if I didn't pay them {$500.00} that they would press criminal charges and I would go to jail. So I ended up paying them using my rent money because I didn't want to go to jail for being duped by a stranger. Come to find out they were actually from a debt collection agency called Ashton and Weinburg Inc and not who they claimed at all.
My wife and I have top tier credit and applied for a loan, we were pre approved and the barrage of sending information began, they wanted everything imaginable, all the way up to the point of asking for a letter from my wives employer that her tips would not change? Thats after sending a form for them to fill out and be reviewed by a supposed independent company. Everything was fine supposedly according to XXXX XXXX.processor Usaa. Well the closing date came and went XXXX XXXX, they said we need a new closing date the XXXX, that came and went, then I called and spoke to another processor that said the date had been moved to the XXXX. Well friday afternoon XXXX XXXX I receive a call from XXXX XXXX that my loan was declined because of debt equity. This is based on the tax returns I originally sent, it took till 4 days after the closing to tell me that. Since the inception of our loan process we sold our current home and will have XXXX available to put down, So I told them well the house is XXXX we have XXXX to put down, house appraised for XXXX. So can we get that amount approved? This is after no longer dealing with XXXX XXXX but working with manager XXXX, XXXX and Director XXXX XXXX. Today is XXXX XXXX I am still not approved and my seller no longer wants to wait for my approval. So I wish I could sue for damages somehow, I am out thousands of dollars and sold my current home and now have to look for another house. Shame on USAA mortgage for doing this to us.
The company uses an automated dialing system with recorded messages. The message does not identify who is calling or the nature of the call but states the message is for someone I don't know and further states to hang-up if you are not that person which I did the first time they called. This did not remove me from their system as they called back several times. I called the number back to in an effort to have my number removed however the person who answered hung-up on me when asked for their business address.
Received notification to check credit report and found a bill from XXXX XXXX outsourced to Afni in the amount of {$1000.00}. It caused my credit score to drop 43 points. It is stating open XX/XX/XXXX. This is an account I know nothing about as I do not have cox communication where I live we can not even get cox in our area. We have been here since XX/XX/XXXX. 

I have not received any written correspondence about this bill at all to ascertain if it is for services rendered to my address. Prior to this address we were at another address for over three years. We did not have XXXX XXXX. Prior to the previous address we were in another state for 12 years and never had XXXX XXXX 

According to Virginia Fair Debt Collection : In Virginia, during the time period in which an account remains open, and no payment is made on the account, a collector has a statute of limitations of 3 years from the date of last payment or last charge for goods or services rendered on the account to file suit against a consumer. 
If a debt is based on a written contract ( non-Uniform Commercial Code ) the statute of limitation period is 5 years. " Protecting Consumers Rights : Debt Collection Laws - Virginia Statute of Limitations on Debt Collection. '' ( XXXX ). XXXX XXXX XXXX On my Credit Report it states : Account information disputed by consumer, meets FCRA requirements. Not sure what that means.
Dear Sir, I was charged excessive late fees on a secured credit card by Wells Fargo Bank- representing an effective 1,000 % interest rate and over XXXX % of my collateral. The late fees were automatically charged, my account was subsequently closed and missed payments were reported to credit agencies. The bank had failed to notify me either electronically or via paper in spite of me updating the bank staff of this change of address. I have also spent several months trying to get the bank to reverse the several charges they have charged - an effective 1000 % + on a completely securitized line. The bank customer service and executive office seems to only want to find a way to legalize those charges and do not want to take any accountability for excessive fees and charges. While the enrollment process I was told that this secured credit card would only hurt my credit scores. I have no other option that to use this forum to hope for a correction in their methods and processes used.
I received this creditcard ending in at my request.. Icontacted them several times to CLOSE the account, but I 'm still receivingpromotions and statements.
I previously got a loan with XXXX XXXX who was switched yo Navient. My loans have increased tremendously and I can not afford to repay. I do not have an option to decrease my monthly payments. This is not what I signed for
My name listed under Personal Information on my Equifax credit report is incorrect. I followed Equifax 's guidelines and sent a copy of my correct name documented by a copy of my Driver 's Licence, Social Secuirty Card, Utility bills. I have been unable to get my name corrected. The credit union that add XXXX to the end of my name indicated that they have made corrections. Nothing I have done has corrected the problem with Equifax.
I have repeatedly provided Discover Card with proof that this account was opened without my knowledge or consent, but they insist on forwarding me copies of statements that I never received. 

And now I know why! 

These statements weren't sent via U.S. Mail ; they were sent electronically. 

I am asking you to request that Discover provide me with the method of delivery for the volumes of statements that they print and send to me everytime I ask for proof that this account was opened by me ( like a signed contract ). Note : they have yet to provide a signed contract ; all other " proof '' they provide actually works against them and further proves my point that the account was opened illegally.