WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/2018 I disputed a account with all three credit bureau, Experian, XXXX  and XXXX. All three credit bureau responded back saying the account was verified and accurate. The alleged account is XXXX # XXXX. Well I come to find out that the account was sold to a outside agency. well in XXXX I sent a certified letter to the new owner of the account which is XXXX XXXX. I have attached the copy of the letter that was sent to XXXX XXXX. they refused to respond to my letter dated XX/XX/2018, I also attached the certified mail receipt to show they received the letter on XX/XX/2018. But they failed to respond to me. I am a consumer and I have rights under the FCRA. and they have been violated, due to XXXX XXXX not responding to me in 30 days. I have all rights to see information and original signed contract from the original creditor. they have failed and refused to send me any documentation. This item needs to be removed asap,,,, or I will file suit,,, I also contacted the original creditor XXXX XXXX by certified mail and they failed to respond to me also,, I have attached a copy of the letter I wrote to XXXX XXXX and certified mail receipt showing I sent XXXX XXXX and they received the letter on XX/XX/2018.both the original creditor and the new owner of the account both failed and refused to respond to me the consumer within 30 days and all three Credit Reporting Agency are reporting unverifiable information this is against the law and the FCRA. This account need to be removed asap or I will file a suit with the federal court,, I did my part as a consumer by writing both the Original creditor and the new owner of the account and both partied failed and refused to respond to me within 30 days and I have the letters that was written to both of them and the proof they received the letter ... this is not a dispute of information on my report, THIS IS A DEMAND THAT THIS ACCOUNT XXXX XXXX XXXX XXXX ACCOUNT BE REMOVED ASAP, ,AS FOR MY RIGHTS UNDER THE FCRA HAVE BEEN VIOLATED,, BOTH PARTIES FAILED AND REFUSED TO RESPOND TO ME WITHIN 30 DAYS I AM ENTITLED TO XXXX FOR VIOLATIONS. I HAVE ATTACHED COPIES OF THE LETTER THAT WAS SENT TO BOTH PARTIES THE ORIGINAL CREDITOR XXXX XXXX AND THE NEW OWNER WHICH IS XXXX   XXXX
My XXXX year old Aunt received a call from XXXX, and so did my workplace, claiming they were a process server and if I did not call them back in 2 hours, they would serve court papers. I called the number back and they wanted credit or debit card information so I could make a payment on a debt that was written off in 2008. They told my Aunt that HER address was my last known address, which is not correct. At my workplace, they wanted to talk to the immediate supervisor ( which is myself ), but it was my day off. If I was not the supervisor, what would they have told that person? They had my SSN. I told them to send me something in the mail, and she said they did not do that.
Disputed with the company on XX/XX/18 the company received my debt validation letter by certified mail on XX/XX/18 as it shows certified mail. It is XX/XX/18 and I have yet to hear back from the company. The FCRA gives the company 30 days to respond and there is no proof of response with verification of ownership nor contract with written signature with the company in which they could have sent certified back with tracking as their proof. There was no valid original documentation and no receipt from USPS of any correspondence. Therefore further measures will be enforced up to and including contacting the XXXX  and Attorney general to resolve this matter.
Learned of collections from checking  XXXX   XXXX  never got mail or phone notifications! I looked up company 's name  CBE Collection  but did n't contact them to settle amount.
This is becoming VERY annoying at this point. I have issued fraud alerts, filed police reports, called over 25 times ( check the records ) and yet and still someone is not only using my information but applying for the same things over and over. Im at work as I type and received an alert from a credit protection company that I was just denied a loan that I clearly did n't apply for. Ive asked over 20 times for these inquiries to be removed. I did not authorize any of them and im ready to take legal action at this point. Please remove the following accounts with month and dates : XXXX AND XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX -XX/XX/XXXX, XXXX XXXX XX/XX/XXXX,  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX-XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX,  XXXX XXXX XX/XX/XXXX -XX/XX/XXXX . I will not continue to send letters and call and talk to the RUDE reps who are of no help. My next step will be legal action.
I believe this servicer ( American Education Services ) is incorrectly calculating the interest charged to borrowers. The original load was in the amount of {$33000.00} and was disbursed on XXXX/XXXX/05 with a term of 238 months and a monthly payment of {$230.00}. The reported interest rate is XXXX % and the accrual method noted is simple interest calculated on the balance. According to their information the daily interest is the principal balance x XXXX % divided by 365 days = the daily interest accrual. I have used a number of simple interest loan calculators to compare their rates and payment terms. In all cases they are charging at minimum XXXX % greater in interest than the reported rate. 

With all of the current discussion concerning the impending student loan disaster I decided to go back and review the loans for my children. Based on the calculations it would appear that just for this loan it will cost about {$6900.00} more than the published information. If I am missing something I would like to know what it is. Otherwise this constitutes fraud I and needs to be investigated.
I have no documents to attach because there are none in existence. This is not my debt and has never been. Approximately XX/XX/XXXX, I received a credit alert from one of the reporting agencies. I immediately looked at my reports to find a collection agency placing a account. I found out who the alleged original creditor was and contacted them as I currently have an current open account with them. When I contacted them I inquired why my account was sent to collections. They told me that my account was CURRENT and I had NO PAST DUE BALANCE! I asked them to please look back to the inception of my account to positively make certain I did not owe any past due amount. They verified that there was no past due balance and also stated that there could be no past due balance since any amount not paid would be added to the next billing cycle. I already knew I had no delinquent amount with them, but wanted to make 100 % certain. I filed a dispute with XXXX  on XX/XX/XXXXand on XX/XX/XXXX this account was DELETED. It was then reported to XXXX. Additionally, I never received any notice from XXXX XXXX XXXX XXXX. that an account under my name was placed with them. They listed the open date on my credit report as XX/XX/XXXX ; IMPOSSIBLE since I contacted the original creditor on XX/XX/XXXX and verified I had no past due or account placed for collections. I did receive a letter from XXXX XXXX XXXX   datedXX/XX/XXXXsaying they investigated my dispute and will report their finding. This is a complete violation of FCRA 623 ( a ) ( 5 ) ( A ) and CFPB Appendix E to Part 222. They have not supplied me with any physical evidence of this alleged debt. They delete it from one reporting agency just to report it to the next. What are they agency hoping? This is unfair business practices and deceptive. I am being bullied into a paying for something that isn't mine. Does XXXX XXXX XXXX. make up fake accounts and report them in hopes that unsuspecting consumers pay them? How many other people has this unscrupulous company done this to? Are they even licensed? I am also going to file a complaint with the Arizona Attorney General 's office. I have already contacted them and confirmed I do have grounds for a complaint. This shady company needs to be investigated. I demand that this is removed from my credit reports once and for all!
Guaranteed Rate is requiring {$700.00} to provide a Loan Estimate. I believe this contravenes regulations providing that the only fee a lender can ask borrower to pay prior to providing a Loan Estimate is a fee for obtaining a credit report. I am helping a friend apply for a mortgage from Guaranteed Rate. He requested a Loan Estimate.
1. The first response he received was : " Hello, Below are the estimated numbers for a cash out mortgage to XXXX. Please call me when you have a few minutes to talk. ... This is NOT a loan estimate. Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan. Summary of Cash at Closing Quote for Debts to be Paid Off $ Lender Fees $ Appraisal Fees $ Prepaid Interest 30 days @ $ /day $ Insurance Escrow Reserves 6 months @ {$100.00} /month {$600.00} Tax Escrow Reserves 6 months @ {$100.00} /month {$600.00} Title Fees {$200.00} Lender 's Title Insurance {$620.00} Recording Fees {$160.00} Total Costs $ Total Loan Amount $ Total Credits $ Total Estimated Cash to Customer ( $ ) YOUR LOAN PROGRAM Estimated Value {$400000.00} Total Loan Amount {$300000.00} Interest Rate 3.875 % APR 4.002 % Product Agency Conforming XXXX 15 Year Fixed YOUR MONTHLY HOUSING COST BREAKDOWN Principal & Interest $ Insurance {$100.00} Taxes {$100.00} TOTAL $ The example of loan costs illustrated above does not represent a " Loan Estimate of Closing Costs '' that you will receive once you apply for a loan. <P/>2. So he again requested a loan estimate : " We 'd like to progress this. Can you provide a Loan Estimate? Based on your email, I think we 'll want to move forward with an appraisal, but let 's get the Loan Estimate first. '' 3. The response was : Subject : NEXT STEPS *****PLEASE READ***** Dear, Below are the next few steps well need to complete to start the processing of your loan application. Its important we complete these initial steps as soon as possible : - Within the next 24-48 hours you will receive an email from XXXX requesting you electronically sign the initial disclosures. This will provide us the necessary authorization to move forward, so please do this as soon as you are able. The appraisal will be ordered and scheduled with the listing agent. Once we receive the completed report we will forward you a copy via email for your records. - Once you have signed your initial disclosures you will receive an email requesting a payment of {$700.00}. This is a deposit for the appraisal and application/underwriting fees and will be credited to the loan at closing. - My team will review the documents we already have on file for you. They will request any missing or updated items needed to submit your file to underwriting for initial approval. - While we are processing the loan, if at all possible, please refrain from any significant changes to your credit profile, including late payments, credit inquiries, opening or closing of accounts or significant balance increases. - If you need to make any large deposits or transfers with any of your bank or investment accounts please discuss with me beforehand to confirm these can be documented according to program requirements. ''
I check my credit score regularly on XXXX XXXX. I noticed that my balance for boat loan had increased so I checked my account online and there has been a {$4000.00} fee assessed to my loan. I have made every single payment on time, there has been zero correspondence from the bank regarding a fee, and there is no detail at all on the account transaction to explain this. I have made several inquiries but can not get a human on the phone or a return phone call.
In  XXXX     2017  i submitted a payment via PayPal to another recipient. Around that same time there was fraudulent activity on my bank account and I accidentally disputed the initial charge ( {$50.00} ) I cancelled the dispute with the bank as a representative at PayPap told me to do, and received a letter from the bank dated  XXXX   XXXX  stating that I have cancelled my dispuite. The original recipient never received the money back. I called multiple times since  XXXX  to resolve this and they ultimately gave me a provisional credit to give to the original recipient and I was told that when the {$50.00} finally came through it would go to my PayPal account. However that did not happen. I believe that original {$50.00} is still in limbo and the credit has since been deducted so my account is now negative. Every time I call PayPal i get a different answer as to how to handle it and how it works.
ProCollect took on an alleged debt from XXXX XXXX XXXX XXXX for a {$41.00} charge to me that was never even sent to me by XXXX XXXX XXXX, and ProCollect posted this alleged debt against my credit without ever trying to collect it from me beforehand. In order to get my credit score back to normal, I even paid ProCollect this {$41.00} over a month ago and they still have it lodged against my credit score. I 've called them twice, given them the check info ( they cashed it on XX/XX/XXXX ) and they continued to play ignorant about it all. What can I do now?
The collection agency is reporting the collection account XXXX  on my credit file this is not my account I sent a dispute letter stating to send me a method of verification on the account on how they with through the process of verified the account and havent received anything
When I applied for the care credit at the dental office, they did not inform me that there is a 6 months dead line and after that if I did n't pay the balance, I would have to pay a high interest rate@26.99 %. Everything was done online and I was never given a brochure or contract to read my terms. I called the care credit and they said it was up to the dental office to give me the term months on how long to pay. which that did not happen. I am unable to pay the {$410.00} that care credit is asking me to pay before the promotional expiration date. which is by XXXX/XXXX/2015. I would greatly appreciate if someone could please help me out on this. I feel this is so unfair.
XX/XX/XXXX I deposited {$500.00} into Bank of America ATM, accepted my $ but did not deposit into my acct. I reported it on XX/XX/XXXX, went to the Bank on XX/XX/XXXX and they admitted they have an overage of XXXX on XXXX ATM Ledger Supposedly a case # was assigned. Bank said it would take48 hrs. ATM Co said 10 days. I called everyday since XXXX being put on hold each time for 30 mins. Everyday they said they are looking into it. Yesterday they said they didn't start the case until XX/XX/XXXX. I talked to 5 different people and they all said they are working on it. One phone call to the Bank would solve the problem but now they are saying at least another 10 buss days.The Bank wont do anything but acknowledge the XXXX overage.It has already been 13 days with no results. Don't trust Bank of America
I got my XXXX car loan from XXXX XXXX and had a credit score of XXXX at the time. I was told by the manager that my credit score is extremely low and that only the financial institution of Toyota would give me a car loan. He told me that he made efforts for a low interest rate of 19.34 % which I still have up to know. I told him that was very high but he strike back saying I am only making a {$4000.00} deposit on a {$33000.00} car and that I would be able to lower my interest rate after one year. I later found out that ( lowering interest rate ) was a lie because when I called Toyota they directed me to other unknown loaners who ended up messing my credit score more  without even lowering my interest rate XXXX cent. 
A friend to mine who lives in California told me Toyota and other financial institutions and car dealers were found guilty of discriminatory car loans to XXXX XXXX and that I should get in touch with the Consumer Bureau. I am XXXX XXXX and I am not making an accusation about Toyota of racial discrimination, but I would like to find out when I was given my car on loan on XXXX XXXX for a XXXX Toyota Highlander, was a 19.35 % loan acceptable or discriminatory. I have so far ask a lot of drivers in the same situation but I find it curious that some people with worst credit than mine had better interest than me from different Toyota dealers.
When I ask what their calling about, they repeatedly ask for a : ref #. When I ask for their name and company and if it 's a debt collection agency. They get verbally abusive and refuse the information. When I ask for a manager or supervisor they refuse by telling me without aref # they will not and can not transfer the call. They call back to back leaving no messages on my phone and do out all day long. When I refuse any info they hang up on me.
Cain and Weiner claim I owe XXXX to XXXX for an insurance policy that appears to be either duplicate or fraud. They previously sent me a notice about a XXXX policy, however, they amount they were seeking is much higher. They claim they stopped collection efforts but have now sent me a notice looking for XXXX. My vehicle was totaled and no longer in possession of it, motor vehicle is aware and plates were canceled. I have not been in possession of vehicle since on or around XXXX, insurance with XXXX should have been canceled prior, I switched to another company.
In around XX/XX/XXXX or XX/XX/XXXX I was XXXX years old and living with my parents and I was forced to sign a lease contract in which under California law that 's a violation. 
XXXX XXXX XXXX XXXX had me sign the lease contract online by force and if I would n't sign the lease I would n't be allowed to live with my parents. 
My parents did n't know and I told them, but we need it apartment and we did n't say much or else we would n't have a place to live. 
I have filed many complaints against XXXX XXXX XXXX and collection company Fair Collections and Outsourcing XXXX XXXX XXXX, XXXX XXXX XXXX, MD.XXXX.XXXX. 
My credit scores and credit is destroyed because of XXXX  XXXX XXXX, Collections and Attorneys forcing me to pay {$3700.00}. 
My Dad XXXX XXXX XXXX XXXX XXXX Military Veteran and XXXX and XXXX file a Federal Bankruptcy Chapter XXXX in XXXX, Texas and debt of {$3700.00} that was his was included in the bankruptcy.Federal Judge discharged Bankruptcy on XX/XX/XXXX, Filed case # XXXX My mom XXXX XXXX and my sister XXXX XXXX should n't be liable for debt as my dad was the wage earner and primary leasr on XXXX XXXX XXXX  Contract. 
I am been Retaliated and Discriminated because I am XXXX and also my mom and sister. 
All our credit is been destroyed because of the Retaliations against us as XXXX. 
XXXX, XXXX and XXXX has collections of debt of {$3700.00}. 
Me and my sister was high school students back around XX/XX/XXXX -XX/XX/XXXX-XX/XX/XXXX. 
My mom had a low wage job. My Dad was employed by XXXX XXXX XXXX in California where he had high XXXX My dad had to retired from XXXX XXXX XXXX with a XXXX XXXX on XX/XX/XXXX. 
I can not succeed in life without excellent credit.
Credit Adjustments Inc. calls me numerous times every day at all hours for several years, will not state who they are trying to reach or what their calls are in reference to. They call from " dummy '' phone numbers that do not identify who they are, calls have a local ( XXXX, OH ) prefix. Credit Adjustments Inc. is in XXXX OH. They called me today from XXXX, a XXXX XXXX Ohio prefix. 

I do not have any debts other that normal debts such as house payment, auto loan, and 2 student loans that are current on payments. 

Old debts from a XX/XX/XXXXChapter XXXX Bankruptcy were discharged in XX/XX/XXXX after completing the plan. I have no idea if they are trying to collect on an old discharged debt. They refuse to say. 

I do not know if they are trying to collect an old debt because they refuse to say. They refuse to send written information as required by law after 5 days. This has been an ongoing problem for several years with these harassers. 

There is nothing on my credit reports to indicate the possible nature of their continued harassment. The one time I answered the phone and tried to get the woman to tell me who she was calling for and why, she refused unless I gave her my name and SS number which I of course did not do.
coast to coat financial, XXXX, ca XXXX, phone number XXXX, reported collection account on my XXXX credit report, this account belongs to a friend that used my identity and from my good heart, I paid the amount owed on the collection account, amount of XXXX please have the collection company remove this report, this is a fraudulent account that was opened without my consent, my name is XXXX , I live on XXXX, ca XXXX, and the account was opened on XXXX, ca XXXX
Already paid debt. In fact over billed and paid to company. Requesting refund of money of over amount paid.
Everytime I try to cash my paycheck at XXXX or any other check cashing service in denied due to a company named Certegy. I do n't understand why everytime I call them they can never give me a reason why they deny me. This is not fair and a paycheck is a valid check! I have provided this company my id and asked for a copy of my file but nothing explains why they have me red flagged
On XXXX XXXX, XXXX, I purchased a used vehicle from XXXX XXXX of XXXX, in XXXX, OH. Three days after purchase of my XXXX XXXX XXXX XXXX service lights came on when I started it. The service lights were XXXX control. I immediately contacted my salesman XXXX XXXX XXXX XXXX making him aware of the issue. After communicating via text messages, I took the car in for servicing. This was only the beginning of the issues I 've had with this vehicle. 
My wife and I have always leased new vehicles. I purchase a second vehicle to prevent from going over my miles on my current lease. XXXX XXXX stands on the premise of servicing the community where their dealerships are. I served on the XXXX XXXX XXXX, I wanted to make a purchase near where I live. 
I 've had several issue with this vehicle, as of today XXXX XXXX, XXXX the car is not operable. My father and I tried to jump the battery with no results. It appears nothing was done to this vehicle at trade in. I understand the vehicle was purchased " AS IS - Without Warranty '' but never did I expect to have issues 72 hours after purchase that have proven to be ongoing and dangerous. I have n't had the vehicle 6 months. 
Please review all attachments to include my attempts to resolve this issue with the dealership. I 'm the XXXX, therefore I understand how some things happen. I 've invested a lot of time, money and suffered inconvenience. I contacted the management at XXXX XXXX trying to give them opportunity to make this right. No one has felt it necessary to follow through. 
I 'm hoping you can help get this resolved. Had I purchased the car from a private owner, I would have expected " Buyer beware. '' Best Regards, XXXX XXXX XXXX XXXX
My mortgage was recently sold to Caliber Home Loans, Inc. My payment was due on XX/XX/2016. I logged into their system at XXXX cst on XX/XX/2016. It would not allow me to enter a payment date until XX/XX/2016, thus making this payment late and incurring a late fee. I completely understand they may not be able to process my payment until then, but there 's absolutely nothing preventing them from recording my payment on XX/XX/2016. I attempted to make a payment before it 's even due, yet I ca n't. This is a deliberate act on their part to ensure I am late. thx.