WillisBack/dataset-financial-user-claim huggingface dataset:
This debt company sent the first coorespondence to me via email at my job and stated they were a debt collector. My work email is not owned by me but instead the company I work for and my assistant opens my email. The embarrashment was overwhelming. When I called and asked why they did n't call my cell or send a letter to my home they stated I gave the email address to verizon so they felt it was okay. By the way, the only reason verizon had my work email is because that is how they confirmed I was eligible for the discount. 

This practice is not at all right and needs to be addressed as it has caused me embarrasment.
I have tried to initiate 2 separate disputes and Equifax will not investigate. I have the return receipt from the USPS where my letters were delivered to Equifax. They are also reporting incorrect information and refuse to even look at my proof. This has been going on since XX/XX/2017.
XXXX XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX {$2900.00} XXXX XXXX LAST REPORTED : XX/XX/XXXX {$2900.00} XXXX XXXX XXXX {$270.00} XXXX XXXX XXXX LAST REPORTED : XX/XX/XXXX {$270.00} NEEDS ATTENTION XXXX  XXXX {$3600.00} XXXX  XXXX XXXX XXXX XXXX CLOSED : XXXX XXXX, XXXX {$3600.00} CLOSED XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
I have reached XXXX XXXX XXXX for the past 2 months trying to to settle the debt, I learned to have two months ago via credit report, they posted the unpaid-debt on my credit bureau 2 mts ago Despite my efforts, they continue to give me the round around and sent my account to charge off. Need help solving the issue and have the company send me an agreement/settlement in writing.
Residential Credit Solutions Inc took over the servicing of our loan from XXXX on XXXX/XXXX/15. They are overwhelming us with mail. We are on the unemployment program which they acknowledge but still send notice threatening us almost daily which i do not think is legal.
I am being contacted by cellphone number and mail from ERC and XXXX about an incorrect information about phone account and I wish they would get a life and leave mines alone because I do n't bother anyone who wants not to be they call my family and friends that are going to be a problem with calling my grandma I been told you to leave me and my family alone about account you bought for less than {$30.00} or even XXXX dollars
I started being garnished from allied for my student loans I was never notified by them nor my employer that this was happening until I recived my check stub and noticed this, I have spent countless hours on the phone with them due to I should have been exempt from this happening, my employer stated they needed something from them, they stated they needed something from my employer, in an attempt to call once again the lady I spoke with at allied stated my account was closed with them on XXXX XXXX and refused to give me any information on when the last papyment was recived or how much they collected, my checks are still being garnished from this company, they refered me to XXXX, and tbey refered me to another company ... So this company did not notify me of any garnishment to begin with so I did not have the appropriate time to fill out the paperwork I needed to to avoid garnishment but is also still collecting money for an account they dont have? I just want more information and tge money ive paid to be reimbursed or something, I dont know how a company can request money with oit notification let alone still vollect it from my payroll if they dont have an account for me!
On my Equifax credit report, there is a OPEN collections under the collection agency name XXXX. It is to XXXX in the amount of {$230.00}. I had already paid off this collection years ago and there is proof of it under a closed collection file name XXXX XXXX XXXX. It shows it is also XXXX, but in the amount of {$230.00}. I want Equifax to fix the errors so it doesnt show up unpaid on my credit report.
In XXXX my husband received an offer from USAA for 0 % interest for 17 months on balance. We are USAA members -- and have several insurance products through the company -- I was able to join USAA through my husband. I clicked on the link and started to apply. The application did n't state the balance transfer at 0 % so I emailed through our member account and received an email back addressed to me that that was the offer that I had. When I got the card before the balance transfer I called and confirmed over the phone that it was indeed 0 % interest for 17 months. So I did the balance transfer which included a processing fee of XXXX. When I received the bill it had an interest rate of 17.90 percent on balance transfer and a charge of XXXX. Despite confirming in writing and over the phone that that was the offer I had -- USAA now says that the offer was only good for my husband and not me. I plan to transfer the balance out, cancel the card and all other products I have through the company, and had asked for the fee and the interest to be reimbursed. I had only applied for the card for the 0 % interest offer and would like to be reimbursed for the fee and the interest because that is not what I was told via email and phone that I would have for an interest rate. I 've spent several hours on the phone and no one is willing to help me. This is the email I received from them initially confirming the offer : Dear XXXX XXXX, I received your message about an offer that you received, and I will be more than happy to look into this for you. 

If you accept the credit card, you will get 0.00 % until XX/XX/XXXX on purchases, balance transfers, and convenience checks. 

Balance Transfers are considered a Cash Advance. 

Interest Charged on Cash Advances - A cash advance accrues interest from the date the transaction is posted until the date the advance is paid in full. Your first statement shows the posting of the cash advance and the finance charge assessed from the posting date to the statement closing date. Subsequent statements will reflect the finance charge from the statement due date to the date the cash advance is paid in full. Convenience checks, ATM transactions, balance transfers, and overdraft transactions accrue interest daily. 

Since the interest is 0.00 % until XX/XX/XXXX, you will not have any interest until after that for the remaining balance. Each balance transfer and convenience check has a transaction fee up to 3 %. 



We value your business and the opportunity to serve all your financial needs. 

Thank you, XXXX XXXXUSAAUSAA means United Services Automobile Association and its affiliates. 

Message History Expand/Collapse From : XXXX XXXX XXXX Date/Time : Tue XXXX XXXX XXXX CDT XX/XX/XXXXMessageWe received an email stating we could open a USAA Preferred Cash Rewards World MasterCard credit card and have zero interest on balance transfers until XX/XX/XXXX. However, in the online application it says there is no grace period for balance transfers. We 'd only like to apply if there is no interest on balance transfer for that duration. Is there something else I need to do online to access this offer? XXXX
I have disputed it a few times through the credit bureaus. I have sent letters to the collection agency reporting a collection on my credit report that they have to show the accuracy of their documents but no such thing was given. It is the law under FCRA to do so and yet they will not. I have not a single blemish on my credit report besides this collection company. When I called and spoke to a supervisor he told me to call an attorney. The " collection '' is a college class that i paid off. The college told me that it wasnt in collections but when I paid them it turns out they reported it that way.
I was looking for a free credit report. EXPERIAN has created their website in such a way that they charge a dollar ( paid by credit card XXXX to view the report and sign you up for credit monitoring which can be cancelled within 7 days. The website is intentionally convoluted to make it easy to continue without checking what one is signing up for. Soon after, they start charging {$21.00} a month for said monitoring. 
When I called to request a refund, they refused to refund claiming the charge is valid. They further complicated the issue by asking me to request the refund in writing from their accounts department which would consider my issue on a case to case basis. 
I believe their web site is purposely built to trick users into paying for the so called credit monitoring.
XXXX XXXX XXXX is reporting negative on my consumer reports with XXXX and Transunion. I have notified XXXX, Trans Union, and XXXX via certified mail on numerous occasions requesting documentation to prove that the negative information being reported is accurate. The last certified letter I sent them was a 5-day reinsertion letter dated XX/XX/2017, because they removed the account, but later Transunion and XXXX put it back on my report driving my score down. TransUnion and XXXX sent me a report stating that the accounts were verified. TransUnion do not have any reporting they just have the account as a bad debt. XXXX has the account reporting as a bankruptcy account. I have spoken to the company and had them send me the release of lien for the property again ; which I am attaching to this complaint. I am still the owner of this property. XXXX and TransUnion did not follow the requirements relating to reinsertion of previously deleted material. I received no such notification, this is a serious violation of the FCRA, and I demand that the account be deleted immediately from my credit report.
I looked at cars twice from XXXX different dealerships. Each time the dealership took it upon themselves to run my credit after I told them THEY ARE NOT TO RUN MY CREDIT, YOU DO NOT HAVE MY PERMISSION TO RUN MY CREDIT, I DO NOT NEED OR WANT YOUR FINANCING. I had already secured financing though my home town bank. They took what information they had and proceeded to " shop around '' using my social security number, name and address from my pre-approvals. THAT IS CALLED THEFT. Plain and simple. When someone says " NO '' no mean NO! So, I obtained my credit report from all 3 bureaus. I found more mistakes and other companies that did not have my permission to run my credit. I disputed all 29 inquires. The credit bureau did not even try to find out if these inquires were fraudulent. I 've went though every avenue to get these removed and off my credit. I got the run around every time. It 's even went as for as the fraud department at XXXX telling me, " these are a dealerships and credit card companies! As for dealerships, as soon as you went through the doors, that gave them permission to do what they wanted! '' WHAT?!?! EXCUSE ME!?!?! How can the XXXX  department employees be so misinformed??? I want the inquiries removed from credit report!?!? My personal information was stolen and used without my permission for financial gain. I want my credit report to reflect the actions of myself and myself only.
LOANCARE HAS REPORTED our LOAN PAYMENT as LATE to the credit reporting agencies. My wife and I would like this removed, as this is through NO FAULT of ours. 
TRIED to file XXXX complaint against Loancare but XXXX system continually says : Error : Connection timed out The server is currently unavailable. Please try later. 

I have contacted Loancare directly via phone and was given the email address, XXXXXXXXXXXX, to resolve the issue, as the csr on the phone said he could not help. 
We have filed a complaint to XXXX on this regard against XXXX XXXX. 
Complaint # XXXX EMAIL was sent and returned to Loancare, at least XXXX different times, dating to XXXX, EMAIL, as sent, FOLLOWS : We have been receiving notices that we are late on our loan payments. We refinanced our loan with XXXX XXXX XXXX XXXX, XXXX and closed on XXXX. 
The closing documents were then sent via XXXX overnight to XXXX XXXX. The tracking number to prove they were sent and received is XXXX. 
XXXX XXXX address and Phone number is : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Ph : XXXX I have also been in contact with XXXX XXXX of XXXX XXXX. His phone number is XXXX. 
XXXX XXXX states, " a wire went out. We 're not sure if there was a shortage or what, we 're trying to track it down. '' XXXX was the settlement company.The information I have for XXXX XXXX XXXX XXXX XXXX. 
XXXX, Pa XXXX XXXX : XXXX It would be greatly appreciated if LOANCARE could investigate this matter and remove the negative reporting behalf of my wife and I. 

Mail Delivery XXXX & lt ; XXXXXXXXXXXX & gt ; XXXX XXXX to me This is an automatically generated Delivery Status Notification THIS IS A WARNING MESSAGE ONLY. 
YOU DO NOT NEED TO RESEND YOUR MESSAGE. 
Delivery to the following recipient has been delayed : XXXXXXXXXXXX Message will be retried for XXXX more day ( s ) Technical details of temporary failure : The recipient server did not accept our requests to connect. Learn more at https : XXXX [ loancare.com XXXX : socket error ]
Inflated bill. There is an extra XXXX dollars on best buy credit card. added to my balance that is not accounted for. Once the balance is paid cyber thieves are able to collect the amount that has been inflated to the bill.
Fed Loan Servicing did not tell me about the REPAYE program for over 9 months after its existence, and after I had already submitted renewal forms for another repayment program that they recommended. This cost me {$4100.00} in extra payments. The transfer process ( into the REPAYE program ) was done with errors on their part, costing me {$4000.00}. Fed Loan Servicing says that I " should have known ''
I had an account with XXXX XXXX Bank, XXXX XXXX bought it as a delinquent account, and they took me to the local Magistrates office to recieve payment, he awarded them just over {$1100.00} and they say I owe {$1500.00}. I sent the info to Equifax to correct it, and remove it from my credit, I recieved a paper back stating that it was correct. I sent all the paperwork proving it was incorrect, including the magistrates paperwork, and they did not correct it. I am now filing a complaint with your office to get help.
In XX/XX/XXXX, I became delinquent with a business credit card account with XXXX XXXX. XXXX XXXX reported my delinquency with the three major credit bureaus ( XXXX, XXXX, Transunion ). They also hired a collection agency to collect the debt. I reached a settlement agreement with the agency and paid the agreed amount in full per the contract. As soon as I paid the full settlement amount, that is when all my problems began. It has been a nightmare of process that is still ongoing and has severely hindered my ability to get credit and financing ... things that I rely on and need both personally and for my business. In short, as soon as the settlement was paid, all three bureaus reported incorrect dates on my personal reports essentially " re-aging '' my debt. The issue solely stems from the DOFD or " Date of First Delinquency ''. The correct date of the First Delinquency is XX/XX/XXXX. Currently, all three of the credit bureaus have different dates listed for that delinquency. The most damaging is XXXX, who has the First Delinquency date of XX/XX/XXXX. They also removed all the history of the XXXX XXXX account with an exception of one date ... that being XX/XX/XXXX. Please note that I personally contacted XXXX XXXX and they have CONFIRMED the First Date of Delinquency as XX/XX/XXXX. Now, after the confirmation with XXXX XXXX, I sent registered letters to all three bureaus TWICE to dispute the incorrect information. The first was in XX/XX/XXXX ( as soon as the saw the drastic change in my report and massive drop in my credit score ). All three bureaus responded with letters stating that the account was " updated ''. However, nothing was updated in all three reports. I then sent the SECOND set of registered letters to all three bureaus in XX/XX/XXXX stating the information I provided to them was verified by the creditor ( XXXX ). Additionally, I asked them all to please tell me how they were able to " update '' or " verify '' the account. I also stated that because they all have the information incorrectly reported, even after my disputes, BY LAW and the FCRA, they must delete the entire account since they can not get it correct. Unfortunately, I received the SAME EXACT RESPONSES from ALL THREE OF THE BUREAUS with no change to my report. They just sent me generic letters with absolutely no answers whatsoever. As it stands today, my personal report is still incorrect and even more frustrating, all three bureaus have different information for the same XXXX XXXX account. The entire process has been a nightmare and has wrecked me both financially and mentally. I DO NOT know what to do at this point. I hope that the government will assist me in this matter.
I have a credit card wi th Citi, sp ecifically their Citi/AAdvantage  XXXX   World Mastercard .   XXXX   Citi changed my billing from paper statements ( sent via mail ) to  electronic billing without my authorization. Because I was not receiving statements, and was n't thinking about the card, they accrued late fees and interest charges that I would have avoided if I 'd received the bill.   XXXX  When I called to challenge the fees, I was told that I must have been the one who made the change and that they would do nothing.   XXXX  I feel I have been "  XXXX   XXXX  '' b y Citi. I  keep all my records in paper and most certainly did not change away from paper statements. The only explanation is that they did it.
Portfolio Recovery Associates.
Opened : XXXX XXXX, 2015 Original Creditor : XXXX XXXX XXXX XXXX Amount Owed : {$580.00} I 've had to block approximately 20 phone numbers due to their excessive phone calls at all hours of the day. I 've asked them on numerous occasions to stop calling me and then they call my mother and my job. This is harassment. At one point, I tried working on a payment plan with them but was told they could not send me proof of receipt. I then decided that I did not want to pay a " creditor '' whom would not provide me with proof of recipient that my balance was going down/ being paid off in installments.
I received more than  XXXX  payday loans that I never applied for throug h TD Ba nk, in addition, I was charged overdraft fees because these payday loans companies at the same time that they were getting into my account they were non-stopping withdrawing money from my  TD Ban k account a nd TD B ank were charging me overdraft fees. All the cost me more than {$5000.00}  XXXX   XXXX . THIS IS NOT A DUPLICATE COMPLAINT SIN CE TD  BANK NEVER solved this matter. Re: XXXX  and  XXXX  for the already submitted bank summaries from my account w ith TD Bank . My  former address was :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , NJ  XXXX
I have tried to work with Ditech, From XX/XX/2018 we have submitted documents to Ditech, we submitted requested documents. Then on XX/XX/2018 we received a letter stating that information was received and we had to wait 30 days for a response. 

Then we were notified that the loan was transferred to another servicer. We waited and then when we tried to communicate with the new servicer they had none of the information concerning our loan. 

Again on a letter dated XXXX XXXX again we received a Notice of Sale of Ownership of Mortgage Loan, but on XX/XX/2018 Ditech accepted a mortgage payment in the amount of {$2300.00} with a conformation number of:XXXX. 

We have a notice of Servicing Transfer dated XX/XX/2018 to XXXX XXXX with no new loan number and they do not have the complete file from Ditech and we have a sale date for XX/XX/2018 @ XXXX. 

What happens to all of the documents that were submitted to Ditech in XXXX, XXXX, XX/XX/2018? Why do we have a sale date when they accepted a mortgage payment from us? 
Please help us with this impossible situation. 
Thank You
I had a small Sallie Mae loan to finish my XXXX XX/XX/XXXX. I found myself filing bankruptcy in XX/XX/XXXX but continued to make my student loan payment even though I am a full time XXXX. XX/XX/XXXX I received a payment receipt for my payment to Sallie Mae. XX/XX/XXXX I also received a notice from Sallie Mae stating they have " charged off '' my account. I called on XX/XX/XXXX to inquire because I was confused. I was told that no other payments would be received on this account as of XX/XX/XXXX and they were sending back my XX/XX/XXXX payment and cancelling my recurring payment plan. I received a refund check in XX/XX/XXXX and confirmed no other payments were being sent to Sallie Mae. I am now being bullied and harassed about my overdue account. I have the letter from Sallie Mae, the receipt for payment XX/XX/XXXX and my credit report showing I was current until they sent back my XX/XX/XXXX payment. In addition to the harassment and bullying they are trying to impose excessive fees and penalties for non payment in XX/XX/XXXX.
According to the UNITED STATES SECURITIES AND EXCHANGE COMMISSION XXXX XXXX XXXX FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15 ( d ) of The Securities Exchange Act of 1934, Dated of Report : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage Pass-Through Certificates, XXXX XXXX were sold to XXXX XXXX XXXX on XX/XX/XXXX. See attached XXXX. 

Mortgage Assignment from XXXX XXXX XXXX XXXX   to XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage Pass-Through Certificates, XXXX XXXX dated XX/XX/XXXX is invalid based on at the least these findings. 
A - According to the SEC Form 424B5 - Prospectus, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cut-off Date was XX/XX/XXXX with a Closing Date On or about XX/XX/XXXX. XXXX XXXX. 
B - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Mortgage Pass-Through Certificates, XXXX XXXX were sold to XXXX XXXX XXXX on XX/XX/XXXX. See Attached. 
C - XXXX XXXX XXXX XXXX  XXXX is the Depositor. The assignment of the note and mortgage from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX rather than from the Depositor, violates the Pooling and Servicing Agreement which requires that the Depositor deliver to and deposit the original note, mortgage and assignments to the Trustee. Under XXXX XXXX Trust Law, every sale, conveyance or other act of the trust in contravention of the trust is void. XXXX XXXX. 
See Attached PSA.
I have a loan with CAPITALONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and CAPITALONE with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/2016.