WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, the I received a letter dated XX/XX/XXXX from XXXX XXXX attorney, stating I have an outstanding balance due on a account from XXXX XXXX XXXX. 

I later received a letter from the same attorney stating that a notice had been filed of Substitution of Counsel dated XX/XX/XXXX, and received XX/XX/XXXX. This is the first notification the had received of a court case ever being filed on myself. 

Upon visiting the XXXX XXXX courthouse on XX/XX/XXXX and obtaining copies of the case, an examination of the records filed in court by the Plaintiff reveal that I was never properly served. 

The service addresses used were was at the location of XXXX XXXX XXXX XXXX XXXX XXXX, Indiana ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IN XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IN XXXX. I have never resided at that addresses. 

My current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN, XXXX I had no prior knowledge of a court case having been filed against myself. 

I found out that a default judgement was entered against me on XX/XX/XXXX since I didn't show for the court date, ( again since I had received notification of the court date. ) After examining the records at the court house I filed for a motion to Vacate Judgement and the hearing was XX/XX/XXXX. The hearing has been continued until XX/XX/XXXX since there was only an affidavit filed and a generic agreement filed with nothing to identify me as the Defendant. 

I contacted XXXX XXXX to verify this debt with me well over a year ago since they were listed on my credit report. To date I have never received any verification of the debt. I had only learned that XXXX XXXX XXXX was the original lender by means of the letter they sent to me dated XX/XX/XXXX. 

It seems that XXXX XXXX has violated the agreement they signed on XX/XX/XXXX with the Consumer Financial Protection Bureau regarding the use off Affidavits and obtaining default or summary judgments without the required paperwork with regards to verification of the debt. 

I am not sure what to do as my next court date is a couple of months away and I do not know if the judgement will be vacated. 

How should I proceed with this?
I am attaching a copy of the request that I sent to Equifax and XXXX XXXX on XX/XX/2018. In the letter, I requested that the two agencies request errors on my credit report. They were supposed to respond within 30 days, but they have not.
Frequently, when I try to get my free annual report from AnnualCreditReport.com, I get a message saying that there was a problem and they can not process my request. The message always points me to the mail form, sure, but that 's not why I go to the website. 
Specifically, I have records indicating that Experian has not been able to give me an online credit report each XXXX in XXXX, XXXX, XXXX, and again this year ( XXXX ). But it has happened with all XXXX credit reporting agencies. 
It is unacceptable that I have to jump through this hoop year after year. It 's almost as though they 're hoping I 'll stop asking for it if they make it hard.
Good Afternoon, XXXX XXXX XXXX submitted a fraudulent collection credit item to my Experian and XXXX XXXX credit report. The collection does not belong to me. The date the collection was submitted to my credit report was XX/XX/2018. I tried several times to resolve this issue with the collection agency and credit bureau. XXXX continues to report the fraudulent collection and continues to increase the amount of the fraudulent debt every month. The original amount reported was {$3000.00}. As of XX/XX/2018, the debt now shows an amount of {$3400.00}. I sent letters to XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/2018.  XXXX continues to send documents stating the account is mine that doesn't bear my signature authorizing the debt. I've sent letters to Experian on XX/XX/XXXX and XX/XX/2018. I've sent a letter to XXXX XXXX on XX/XX/2018, Experian continues to send me a credit report stating outcome updated. The comment written under the collection states account information meets the FCRA requirements. XXXX XXXX removes the collection debt twice, then place it back on my credit report. I never received any documents from XXXX XXXX regarding my credit letter I sent them on XX/XX/2018.
Navient continues to not credit to my account the full amount that I send them every month. It is sometimes a few dollars off and sometimes a few hundred dollars off. I feel that this is either harassment or incompetence or downright sneaky fraud.
started a dispute with Equifax on XX/XX/2018. Report was finished on XX/XX/2018. Dispute Confirmation number is XXXX. I could not access the report by email or online. Equifax could not mail to my current address at XXXX XXXX XXXX XXXX XXXX, Texas XXXX. So Equifax sent to my old address which is XXXX XXXX XXXX XXXX Texas XXXX. My mail is forwarded. I still have not received the report.
To Whom It May Concern, It seems the last XXXX times I 've tried to get my free credit report through XXXX from each of the credit reporting agencies ( ie TransUnion, XXXX and XXXX ), they were never able to process my request 'at this time. ' I 've even tried sending on of them ( ca n't remember which XXXX ) a written request and have never heard back from them. The only reason I tried the XXXX time was because of a notice from a medical provider that their patient medical data files had been improperly accessed by an outside hack and that I should contact either of the XXXX credit reporting agencies or subscribe to an ID management company to monitor my and my family 's credit free for 12 months. ( Why not forever since they mishandled my family 's sensitive personal information? ) Why are n't the XXXX credit reporting agencies processing my requests as they should according to the law in this situation? This is very frustrating and the major credit reporting agencies should be more responsive to the law 's requirements and provide consumers their 'free ' credit report with no hassles or hoops to jump through.
ACS/XXXX XXXX is reporting a student loan incorrectly on XXXX that is outside the 7-year statute of limitations with 180-day lates in XX/XX/XXXX. It should have been deleted on XX/XX/XXXX since the last payment was made XX/XX/XXXX. SEE ATTACHED DOC
Twice I, a New York state citizen and resident, have attempted to make a purchase at a XXXX website called XXXX XXXX, and though the sum was not large, about {$400.00}, my bank, JP Morgan Chase, at least the first time and possibly the second, blocked the transaction, which in effect killed the transaction, as XXXX XXXX was apparently not informed by the bank that I had confirmed the legitimacy of the transaction. In any event, their software eliminates the billing information I provided as the result of the interdiction. Certainly Chase has a right and an interest in combating fraud. But I am troubled by the idea that a given transaction, simply because it is international, is assumed to be fraudulent and denied, and only then investigated. I daresay that many XXXX of dollars a day in such transactions are thwarted by this policy and practice, which is probably not limited to Chase. I had thought our government, via various treaties, etc., was committed to free trade. I myself have had to go to great lengths to get the order reinstated, and it remains to be seen whether it goes through. I would also mention that Chase 's recorded confirming call arrived at XXXX awakening me, a retired person. I believe such calls should be confined to standard working hours.
Please have Equifax remove XXXX off my file. They arte collecting for XXXX and has been on my file before as XXXX- XXXX dollars. XXXX has also had several companies to report this item with the same XXXX balance. Account not known to me.
On or about XXXX XXXX, 2016 I contacted the Experian XXXX CRA requesting verifiable information of several negative events that are being reported on my credit file with this organization. The CRA never addressed my concerns in the letter and I would like these items deleted from my file immediately. The CRA are violating my rights pursuant to " 15 U.S. Code 1681g - Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. '' Please see attached correspondence from XXXX/XXXX/2016.
COLLECTION CONSULTANTS OF CAL XXXX XXXX COLLECTION CONSULTANTS OF CAL XXXX XXXX COLLECTION CONSULTANTS OF CAL XXXX XXXX COLLECTION CONSULTANTS OF CAL XXXX XXXX Attn Consumer Fraud Dept. 

I am writing to request that the accounts in collection placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), This is not a request for validation, I HAVE ALREADY SENT SEVERAL ID THEFT AFFIDAVITS I WILL NOT SEND ANYMORE, : Furthermore Collection Consultants has sent me a bill with a different address than my own from XXXX. 
The bill also had a name I do not know and am not associated with. 
My research show that the insurance for that bill was with XXXX am with and have been with XXXX XXXX XXXX XXXX please see attached docs ) I have always been going to XXXX XXXX NOT XXXX
I have submitted the forms for an Income based Repayment Plan for my loans handled through Navient several times since XX/XX/XXXX. I did once in XX/XX/XXXX, once in XX/XX/XXXX, another again in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. They keep saying that they don't receive them. I did XXXX XXXX XXXX XXXX at the same time in XX/XX/XXXX, and they received their documents and I am under a IBP with them. 

Navient keeps having me resubmit. They say they got it, and looks complete but they need me to resubmit it since it wasn't processed last time. 

Also they have the same loan repeating on my credit score multiple  times. I have asked them to fix this and they have not, and I have asked them to combine the student loan in to one loan under one account, they have refused at this time. 

These loans were for XXXX XXXX and XXXX University, both of these institutions have closed due to fraud and accreditation issues. I have applies for these loans to be dismissed as employers do not take my degree seriously, and if I want to continue my XXXX degree I would need to start completely over at a new school because the credits despite being told they would, will not transfer. 

So ontop of paying for something I should not have to due to fraud, misrepresentation, and accreditation, dealing with Navient is getting out of control.
No one ever contacted me about the debt. I had no idea until I saw it on my XXXX report so I called the medical facility I owed ( XXXX XXXX - {$160.00} ) and paid the debt over the phone via credit card. Ref # XXXX - Author # XXXX - Trans # XXXX - Date paid XXXX XXXX, 2016 Time : XXXX - I have not been able to contact berks collections but this is still on my credit report and I want it off. please
They sent me a letter stating they have a judgment against me in a letter and it says to call them to set up payment plan. I was never served nor have I gotten any paperwork from a court. They are using this letter as a threat and that's how we took it. We got the letter onXX/XX/2018 amount XXXX and they said the cost for post judgment cost as well. File XXXX. Says in letter through XXXX court.
I have submitted a loan discharge application due to school closure ( XXXX college, XXXX ) on XXXX different occasions over the past 6 months and can not receive an response. XXXX : application sent by XXXX mail XXXX : application sent via XXXX and uploaded onto Navient website. XXXX : application sent via XXXX. These loans should be forgiven due to the fact that the school closed while in attenadance. I have made many efforts to begin the process by following instructions given to be my navient, yet I still have not received a response.
In 2017 I purchased three automobiles. Being well aware of how credit works, I specifically instructed each dealership to ONLY pull my credit one time. I did NOT authorize any additional credit inquiries. Without my knowledge each dealership pulled my credit multiple times resulting in my credit score dropping over 100 points. The inquiries I did NOT authorize are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Arizona XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This happened with all three dealers and involve Trans Union, XXXX  and XXXX   credit bureaus. I wrote letters ( attached ) to all three demanding they show me proof of me authorizing these inquiries which I have the legal right to do via FCRA 609 and 611. They refused my request and stated the inquiries would stay on my credit for two years. They are flaunting the law and I am filing a formal complaint with you to get these  inquiries removed immediately. 

If you have any questions, you can contact me directly.
I am debating account number  XXXX  withCommonwealth Financial Systems by reason of I have sent many dispute letters to the credit bureaus and it comes back verified every single time. They are declaring that I owe {$59.00} to  XXXX   XXXX   XXXX   XXXX  on my credit report.   XXXX  I have contacte d Commonwealth Financial System s to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act.
Good Afternoon : I was sold a vehicle with a rebuilt title during my bankruptcy proceeding. Since I had the vehicle from XX/XX/2016 there have been major over hauls done on it about {$5000.00} worth. In XX/XX/2016 while on Family vacation in XXXX the truck stopped on us and would not restart. I purchased a battery and new starter neither of those fixed the issue, so my brother ended up towing us to XXXX. 

I emailed XXXX XXXX XXXX the Vice President of XXXX XXXX   and XXXX XXXX a account rep on XX/XX/XXXX. I asked them to come get the vehicle because I was not going to pay for a truck again that I could not drive they have not came yet. XXXX XXXX keeps calling and sending emails saying I can't run from my responsibilty and that I still owe a debt. I emailed agin on XX/XX/XXXX and no one has come get the vehicle. I need them to one STOP CALLING MY JOB. We can't receive personal business call and two come get their vehicle from XXXX XXXX XXXX XXXX XXXX XXXX. If XXXX calls my job again I will pursue legal action against her and XXXX XXXX.
I have just found out that the company that has my student loans is being sued by several states and your agency as well. My loans are held by Navient. I have the same complaint as others have voiced about not having been given any information about income based payments. Instead I have have been steered by Navient to delay payment with deferments which incurred huge amounts of interest. My loan now is over XXXX. Can I join in this lawsuit? What are my legal options?
I got involved with Ameritech Financial to consolidate and repay my student fed loans and participate in the PSLF loan forgiveness program. I was deceived by Ameritech Financial who also has involved the XXXX XXXX XXXX XXXX who I have found is taking my money ... .not paying my fed loan at all. XXXX is also taking part in deceptive practices and I would like a full refund. 

Since finding out of these deceptive practices from the FTC, this is the reason for my complaint. I have also contacted XXXX on XX/XX/18 and was able to leave a message stating to cancel my account. issues a refund and stop all future payments. I have not heard a reply yet.
Checked my credit report and have a derogatory remark against my credit score. 
A debt of XXXX dollars for a electrical bill in XXXX, VA. 
I do n't live in XXXX. So of course this could be identity theft as well.
XXXX XXXX XXXX Account is up-to date. Payment was never late. The original lease ended on XX/XX/2018 and we have extended the lease. They did not deduct the money from the bank after the Original lease ended. We have to called them on XX/XX/XXXX and asked them to deduct the payment. We asked them to send us a letter saying all accounts is up to date with payment ( attached below ). We were informed that credit reporting is being made every XXXX of every month so they couldn't do anything about it. We then, instead, submitted a dispute to all credit bureaus but it didn't changed anything. We called back chase auto on XX/XX/XXXX and they said they said they will verify all information regarding payment with the credit bureaus. We have submitted another dispute the same day but nothing has changed after 30 days the dispute was marked as completed by credit bureaus. This should not affect my credit and you can talk to XXXX XXXX they understand it was not my fault but their fault. They have told me that credit companies can call them and they will verify that they did not send the money to be deducted from the bank and again this should be immediately removed from my records. As of the time of this writing, my credit hasn't changed. We have ended the lease this month and I have never ever been late for any payments. Please help me with getting back my credit score back to normal.
Equifax fails to validate or remove false inquiries on my report within the legal time of 30 days.
I received a call from XXXX XXXX with XXXX XXXX. He and his staff have used abusive collection tactics on a debt that is over XXXX XXXX XXXX. I have been threatened about a legal document, being sued, garnishing my wages and placing a lien on my XXXX XXXX or auto. Sued without any notification, calling my job and telling them its an attempt to collect a debt. This is the 3rd and final attempt and they will seek legal action, telling a family member to tell me to put my big girl XXXX on. Calls from XXXX XXXX, XXXX XXXX leaving voice mail messages stating the same thing. HR department forwarding messages of XXXX XXXX calling stating personal stuff about my business. XXXX, employee in the legal department telling me that she will take all of my paychecks, that I do n't pay my bills and let 's see how I like it when they take my paychecks.
XXXX XXXX and XXXX XXXX XXXX own XXXXwo cooperative properties that have been combined at XXXX XXXX XXXX XXXX XXXX and XXXX. Signature Bank provided loans on each property. The balance on XXXX XXXX is approximately {$100000.00} with a regular monthly payment of principal and interest of {$600.00} and XXXX has a balance of approximately {$400000.00} with a regular monthly payment of {$2200.00}. On XXXX XXXX, 2017 we received a certified letter advising us that our property was about to go into foreclosure unless we paid {$20000.00} representing 4 monthly payments, a charge for insurance on each property, an assessment for a payment made by the Bank to the cooperative corporation for a maintenance assessment, legal fees and other charges. We sent to the bank proof that we have insurance ( which had been done previously ), proof that reimbursement of the maintenance assessment was made to the bank, proof that we have made all payments except for the month of XXXX and XXXX. They advised us that no payment was made in XXXX and XXXX. We sent them proof that a double payment was made in XXXX which related to XXXX and XXXX and that we had already sent them XXXX which they denied receiving. We sent them a replacement check for XXXX as well as checks for XXXX and XXXX which they returned to us insisting that no funds will be accepted unless the full amount is received. It appears that they are ignoring our proof of payment and acting in bad faith
I DO NOT KNOW?, I live in XXXX, and after signing up on XXXX, XXXX 8 months later these XXXX ( XXXX ) remarks shows up on my credit history. 
I written to XXXX companies over two ( 2 ) weeks ago and no response, using your cfpb letters. 
I want these wrongful remarks off my credit history.
There is Public Record Information on my credit profile that I feel is inaccurate in its filing. This derogatory is dismissed and as the term " Dismissed '' means that it is adjudicated by the law, I challenge the bureaus. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they DO NOT VERIFY to credit agencies. By law I have a right to the complete identification of who " VERIFIED '' this to be accurate. This discrepancy has prevented me in my personal life 's pursuit. I am asking the CFPB to advocate for me in this challenge.
XXXX XXXX XXXX keeps calling and leaving a message at my mothers number stating she owes money. It is a recorded call and never uses a name of who owes the money. My mother has a clean credit record and does not owe anything. They call daily. I will not allow her to call back. The number they give is XXXX.
I have 8 loans in 1 account. Two of the accounts are report as " collection ''. After calling Nelnet they said the accounts are not in collection, and that they do not send accounts to collection. They would not change the status until I made the account current. 

From a consumer perspective, I make 1 monthly payment, into 1 account. It looks and feels like 1 account. When the account falls delinquent, they report all 8 accounts to the credit bureaus as delinquent. Every loan in the account has different payment structures and the way the payments are applied are very confusing to the consumer. I called into Nelnet for an explanation and frankly it is not remotely similar to any experience consumers have with other creditors. It unfairly reports these delinquencies as multiple delinquent accounts causing severe damage to a consumer 's report. I believe this puts the consumer at a disadvantage. 

The account manager ( I have the name ) admitted to me that the accounts are very difficult to understand unless you do it every day. He also said the DOE 's billing and payment methods are very different than that of other creditors. I work in financial services, and that just sounds very suspicious, and misleading to consumers. Please feel free to reach out for specific detail and examples.
Equifax continues to publish inaccurate information They were provided with a police report and various statements. Drivers License and Social Security card. I have continued to dispute various credit which was covered by identity fraud. I have never lived in Georgia. XXXX XXXX accounts are not mine.
Key bank took over First Niagara Bank is XXXX, Pa. Yesterday I did on online transfer of {$3000.00} from my checking account to pay down my line of credit. The money was immediately deducted from my checking account. 24 hours later XX/XX/2016 at XXXX the money is gone from my checking account and not applied to me LOC. When I finally got someone on the phone she first told me there is a day or two delay in transfers. I told her that was incorrect and most likely illegal. She put me on hold and said a memo just came through and I would have my money applied to me LOC by XXXX tonight. If the bank is doing this nationally they are reducing the interest they are paying on accounts by deducting funds from checking accounts and increasing their interest income on LOC accounts by not applying funds.