WillisBack/dataset-financial-user-claim huggingface dataset:
I have tried to resolve this with Transunion on numerous occasions through their own dispute process. I only received " canned '' responses that an inquiry is a factual record of of a company pulling my credit.This is to notify you that I contacted the following inquiry creditors and they responded that the inquires SHOULD BE REMOVED. XXXX XXXX has even stated they have submitted disputes to Transunion on two separate occasions. I have attached the letters as proof. If these UNAUTHORIZED inquires are not removed immediately my next step will be filing suit for monetary damages. Transunion is in direct violation of the FCRA. Remove inquires : XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX  XX/XX/XXXX IMMEDIATELY. Do not tell me it will take 30-60 days because I know it does not take that long. I expect it done upon receipt of this complaint. If you respond that they are a " factual record '' I will file suit immediately. I have already contacted a consumer protection lawyer.
I was a struggling single mom trying to repay student loans but sent to forbearance for years. I 've been paying on these loans since 1998. They sold min to XXXX a few years ago.
Navient is reporting all my loans as past due. They refuse to correct it. My loans were in deferment for years. I consolidated the loans with another company in which I pay now. I have XXXX loans, they are reporting XXXX loans and all past due which is not correct. I have never been late on my loans. It has ruined my credit.
On XXXX/XXXX/2015, I went to a Bank of America ATM, located at XXXX XXXX XXXX, XXXX MA. When I went to the ATM, I deposited {$550.00} in cash and {$320.00} in checks. It processed the cash and " ate '' the checks - it took them into the machine and failed to acknowledge the action. It gave me no option to return the checks to me. 

I immediately called Bank of America and alerted them that the ATM had not confirmed my check deposit and was not following typical behavior. I was told that it was 'not a problem ' and that in 3 business days the checks would appear on my account. After 3 business days, I did not see the checks so I called Bank of America. 

They told me then, that they would investigate the issue and get back to me within '6 weeks. ' They temporarily gave me the missing {$320.00}. After 6 weeks, I was told that I was out of luck - that I had to have the checks reissued, and that there was nothing they could do. They then removed the {$320.00} from my account. I raised the issue again, as I feel this is unacceptable, and they took another 3 days to look further into the matter before restating that there was n't anything they could do. They could locate my transaction ( the deposited {$550.00} in cash during the same transaction ) but 'could not locate the checks. '
On XX/XX/XXXX I discovered a collection on my credit file, I never received a letter, email or anything about this company ... MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX MO XXXX on XX/XX/XXXX, I called their # XXXX. 

I was told that the " debt " is to XXXX XXXX, an online loan going back to XX/XX/XXXX! 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MO XXXX acct ... XXXXXXXX for XXXX XXXX. I HAVE NOT DONE ANY ONLINE BUSINESS WITH THIS COMPANY! ... .EVER. 

So, I asked for debt verification, the loan amount, where and when did you send the " money ''? 
was it a bank account? what bank account? who 's banl account? what terms? what payments? 

NO INTELLIGENT ANSWERS, from MIDWEST RECOVERY SYSTEMS! 
BUT the collection is on my credit file, it only dinged my credit 10 points ... but IT IS BOGUS, FRAUDULENT AND A SCAM!
I disputed numerous inquires through Equifax to get them deleted because I did not authorize them and I was basically told that I had to contact the creditors that pulled my report even thou Equifax could not supply documentation bearing my signature.
I went to the U.S. bank location on XXXX XXXX in XXXX XXXX, California on XXXX XXXX around XXXX XXXX. I went to the teller art the window and asked to have a payroll check cashed. She asked me for identification and then said she needed a second form if identification. I gave her both a state drivers license as well as a passport I.D . card. She refused to cash the check because she said she did not recognize me and she could not find me ever having cashed a check at that location before. She said she could not verify that the check was authorized to be written to me because the payroll company was closed. She said to me various times that penning an account would make the process smoother. I kindly told her various times that I did not want to poem an account with them. The check was written to my name and I had cashed a check in that location before. It seemed she was very adamant that she wanted me to open an account even though I refused. Ultimately she did not cash the check and said I needed to open an account. The check from the payroll company is issued from U.S. bank.
There is a company on my credit report stating I owe a debt. It has no name and no lender information. I have no received anything via mail or phone about this debt and I am disputing to get it removed off my credit.
XXXX XXXX has reported the same account twice on my credit report. 

XXXX XXXX added the second account with the same account number a year after the account was closed. 

I have uploaded a copy of my XXXX  Report showing the same account listed twice. I have also uploaded the letter I have sent to XXXX XXXX. 

I have called XXXX XXXX to explain the situation many times since this error was reported. I was only able to reach someone twice by phone. Both times I was spoken to rudely with aggression from XXXX.
It said that this account was open 2015 and i owe XXXX that is incorrect ive went to the company and they said theres know such thing. I DO N'T owe them nothing they owe me XXXX. I WANT this off my report ... Its false information. I 'm attaching the paper that was given to me by XXXX XXXX XXXX XXXX showing i dont owe them anything they owe me, the date is on there when i went in person.
The lender stole my principle and charge ridiculous " lend paid expenses '' without any notice during both XXXX and Mr.cooper transferred loan service. I have tried to contact for 3 weeks. they stated they investigate each other for long time. I have required Mr.cooper to correct the mortgage statement ( XX/XX/XXXX ). 
I did Loan modification on XX/XX/XXXX. 
new principal balance : {$280000.00} include ( Interest Bearing principal balance : {$220000.00} + Deferred Principal Balance : {$600000.00} ). Pl. see attachment ( loan modification ) I had paid the principal {$46000.00} to XXXX from XXXX. 
Pl. see attachment ( XXXX XXXX page1-9 ). 
Actually all principal were deducted to Non-interest bearing {$60000.00} ( deferred principal turned to advanced principal ). 
XX/XX/XXXX reversal to {$14000.00} to Bearing Principal balance ( {$240000.00} ) Pl. see the attachment /XXXX  page 9, bottom line. 
We have paid the principal {$230000.00} from XX/XX/XXXX to XX/XX/XXXX. 
Pl. see the attachment /mr.cooper. 
Until XX/XX/XXXX we have {$9900.00} balance. add {$60000.00} ( see attachment New file ) New principal balance : {$280000.00} - {$46000.00} ( XXXX XXXX ) -  {$230000.00} ( Mr. Cooper ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - {$9900.00} Due they don't response my email and answer my call. I require pay off letter by online. 
I got pay off letter on XX/XX/XXXX. {$60000.00} turned to Lend paid expenses ''
I had a credit card with Navy Federal Credit Union, XXXX. XXXX XXXX, XXXX, VA XXXX. We tried to pay off the Credit Card, but they had increased my percent to 18 % so that my yearly interest interest XX/XX/XXXX was {$860.00}. I had to take out another loan at 3.14 % to pay off Navy Federal as I was never going to make Navy Federal schedule. My family had medical due XX/XX/XXXX which we managed to pay off but at the expense of missing a few monthly payments to Navy Fed. I asked Navy Fed. to reduce my interest, but they refused. I felt that as a XXXX Veteran they would oblige a lower rate after I asked. They did not. My account with them has since been closed as of XXXX XXXX. I am filing this complaint because I believed that Navy Federal could have reduced my 18 % to a more manageable rate as I was in troubled financial times.
In XX/XX/18 I made a purchase on my credit card in the amount of {$61.00} for a company called XXXX XXXX. I learned today the company is out of business and is ceasing operations. I had an order for chicken to be delivered but since the company is out of business it will not get delivered. I would like to also add that the representative would not let me explain is that XXXX kept delaying my order so my intention was to cancel because I will not be available to pick up on that date. Again because the company is out of business I can not contact them - their phones are shut down. So Bank of America advised me Im just supposed to wait around- this is my money that has been held up. Im really frustrated with Bank of America just not listening to the full story. I use this card for the low rate but no more. I for once just want them to be on the side of the consumer. I am not done with this and I will not lose my money over BofA not listening to the customer. I did hang up on the representative because I was tired of her talking over me it was clear I was getting no where.
Dear Sirs in XXXX when the economy crashed, I was advised because of lack of work to file Bankruptcy. I held out until XXXX. 
In XXXX All credit was taken away and I had an Equity Line of credit ( Heloc ) and used XXXX, I went bankrupt and discharged all debt in XXXX. I was then advised that even though It was discharged I still owed the money because of the equity in my home. I am willing to pay the XXXX, through refinance but no one will let me due to the lien. Ocwen tried to foreclose, I hired a lawyer to stop them and paid XXXX to do that. Now Ocwen is foreclosing again while adding XXXX to the original bill. They will not communicate and when you call you get XXXX. I feel the first Lawyer made mistakes and the Second Lawyer bait and switched me.I am aXXXX year old man living on Social Security and my only nest egg is my condo. Can you help me
Reference ID : XXXX My name is XXXX XXXX and my account was limited {$450.00}. 
I was advised Any money in my balance will be held for 180 days, after which an email with instructions about transferring your money.I have not received any emails
I am the  XXXX  in this case. I already filed a complaint  XXXX / XXXX / XXXX  and not only has not been resolved but it is impossible to communicate with them once I enter the loan number. They sent a new application to the borrower ( FHA case that got a TPP with  XXXX  at the end of last year/first payment made/ XXXX  closed case in  XXXX / XXXX / XXXX  ) that I am about to submit and fax did n't go through ( twice ), I tried to called to confirm the fax number, three times and was put on hold by the system aroun d 15  minutes each time and nobody answered.  XXXX   XXXX , (  XXXX  )   XXXX     manager  of this account is never available, nor backup agent so, I finally left a message to  XXXX   XXXX  from the advocate team, (  XXXX   )   XXXX .   I am sending FHA  XXXX  agreement sent by consumer befor e HAMP expired.  XXXX   sold the loan on  XXXX   XXXX   XXXX  BayView  should  honor the agreement
I opened a line of credit of {$250.00} and withthen 30 days I paid it off. I receive a letter saying that they had change the regulation and that even if I don't have a balance I still need to pay {$60.00} every month to keep my account open.I signed the letter and sent it backk to close the line of credit. But I got a bill for the amount Mainance fee of {$60.00} anyways. They said never got the letter and are forcing me to pay {$120.00} plus late fee in order to close the line of credit and they will continue to change me the {$60.00} every month until I pay off the loand. They also said will send me to collection.
Equifax continues to report XXXX inaccurate late pay of my student loan account on my credit file. They are overlooking that it was not a late pay as my account was in forbearance with my credit furnisher. Further more the FCRA State that they must report my account accurately. The FTC also states that under the FCRA laws is must report to accurate information regardless of the fact that it was reported correctly before. SEC. 464 of the HEA ( Higher Education ACT ) states that information must be corrected to reportedly accurately because my account was in forbearance within the period that is showing a late pay. No payment was due therefore ensuring that my account was never late. I was in forbearance and my account has been current from then on. It must be changed immediately as it is negatively affecting my credit report. I have talked to both the CRA and the furnisher and they seem to point the finger at one another and I need this to be deleted immediately or i will be forced to take Equifax to small claims for damages.
I received a call at XXXX on XXXX/XXXX/2015. The representative did not disclose that it was an attempt to collect a debt and never confirmed who she was speaking with before discussing the debt that I supposedly owe.
Hello I have recently been a victim of fraud. I hired a private contractor to fix my home and gave him on separate dates ( two checks ) in the quantity of {$20000.00} and {$10000.00}. Both checks were cashed by this individual and he never finished the job. While working with police investigators and others, it was noticed that neither checka were ever endorsed by the bank that released the funds. I need Wells Fargo to look into this and to also make themselves responsible for my money.
On XX/XX/2017 I found myself ill and in need of care. I attempted to receive care at the XXXX quick clinic in XXXX at XXXX and XXXX in XXXX XXXX. 

The provider on duty dismissed me as having a XXXX without even examining me. A short time later I had to seek emergency care because I didnt receive care the fist time ... in fact my XXXX XXXX XXXX, which the XXXX would have been seen had I only been examined. XXXX then had the audacity it charge my insurance over {$150.00} for not even examining me. I have tried reaching out multiple times to XXXX to resolve my complaint and the debt ; most recently speaking with XXXX in the provider complaints department. 

She assured me the clinic administrator would call me. That was three weeks ago. I have now been turned over to collections ( XXXX XXXX XXXX. ) even though I have tried disputing the debt twice with XXXX billing department and have attempted to speak to XXXX   to resolve my complaint and the debt numerous times in the last several months. 

Billing said someone would reach out after I placed the dispute on the account, but no one ever did. On top of speaking with the billing department I have attempted to contact XXXX   via email, XXXX and even their main number. 

Please help.
This is in regards to the company Regional Finance XXXX, and I believe the parent company is Regional Management. Neither me or my information was ever used in this loan being taken out. This goes well beyond a typical identity theft situation were at least information was taken and verified before the loaner would file it against your name. This company used the mere fact that a USPS mailed, to the wrong address by the way, check was cashed with my name on it as justification to the verification of my identity. There was a contract as part of the endorsement that had a line labeled drivers license number, this information was simply filled out with bogus wrong information that was never verified by this company. This company has also played the run around game with me about how to get this resolved as well but this complaint is to the nature that I, as a consumer, was negatively effected by this practice and there was n't even the protection of verifying my identifying information before this was placed against my name. HOW CAN I BE THE VICTIM OF IDENTITY THEFT IF MY IDENTITY WAS NEVER STOLEN! This should be fraud by this company.
As was stated on XX/XX/2016, by XXXX. ( president of the XXXX Habitat for Humanity ) XXXX Regardless I had gotten behind on my mortgage payments! 
XX/XX/2016 I purchased XXXX money orders in the amount of {$380.00} each and XXXX more on XX/XX/2016 for {$380.00} each, giving a grand total o {$2300.00} plus as of XXXX XXXX there has been a balance of {$380.00} just sitting in my suspense account!. 
On XX/XX/2016 I purchased XXXX more money orders in the amount of {$380.00} totaling : {$3400.00} As of XX/XX/2016 according to XXXX XXXX XXXX, escrow department, there has only been 1 payment posted to my account for {$510.00} with a past due balance of {$3800.00} and a {$440.00} in my suspense account! 
Late payments to mult financial were withdrawn XX/XX/2016. {$20.00} XX/XX/2016. {$10.00} XX/XX/2016. {$80.00} Total : {$110.00} But I was only late 8 months late yet you 've withdrawn {$110.00} When it should 've only been XXXX! They should 've put that money towards my payments and waited for there late payments, multi-financial is just as much at fault as I am and the people of XXXX habitat that are pulling the strings, I spoke with Multifinancial services and they are blaming my lender ( " XXXX '' ) " XXXX Habitat for Humanity '' ( XXXX XXXX ( XXXX ) XXXX the new president and the treasurer XXXX XXXX ( XXXX ) XXXX and the previous president XXXX XXXX at ( XXXX ) XXXX. They sent certified papers to my " old '' p o box to inform me of the progression and accused me of refusing the letter, when in fact they knew I no longer had that p o box, why did n't they send it to my home address also? I can tell you why cause they were trying to hide it and kick me out of my home that I 've paid for, for 10 years! No forebearance, no explanation, no help from my lender " XXXX '' at all, I could n't even get anybody to talk to me for 2 months from habitat nor Multifinancial services, and I think this is bad business, something needs to happen to change this, please help?? Now it 's up for foreclosure, set to auction on XX/XX/2016, which is also my birthday and they know it, really there 's 365 days in a year, they are doing this to hurt me more! Spiteful
AFNI, INC. contacted me about an XXXX account. I was told that if I paid the account it would be removed from my credit. After, I paid AFNI , INC, I was told that they do not remove the accounts from my credit. The AFNI reps lied to me on multiple occasions about deleting the account before I paid them. After I paid the AFNI rep told me that the account would not be deleted and that there was nothing that I could do about it. I reminded her of what she said before I paid and she hung up on me. When I call back everyone that I talk to at AFNI now says that account will not be deleted.
Our loan was transferred XX/XX/2017 from XXXX XXXX XXXX, a fairly reputable institution, to Specialized Loan Servicing SLS ( not so reputable ). Upon conversation with new agent he recommended we sign up for autopay that directly drafts from checking to the loan, we signed on. I went online and entered an amount of an even {$900.00} to be drafted on the XXXX of every month. On XX/XX/XXXX they took out the {$900.00} AND {$900.00} which is the TRUE payment but I always pay {$900.00} to keep my records simple. They took 2 payments for 1 month and left me without monies to pay the rest of my obligations for the beginning of the month! ( TOOK WITHOUT PERMISSION TO TAKE MORE THAN I AUTHORIZED! ) I phoned immediately Friday XX/XX/XXXX and was told the money would be refunded. I phoned today to verify this to be true and I was told it was sent for further review and may or may NOT be refunded and there will be an answer by XX/XX/XXXX. I feel this is unfair lending practices as they no right to take more out of my personal checking without my consent.
The office of Arnold Scott Harris , P.C . Attorneys At Law, have violated the Fair Debt Collection Practices Act ( FDCPA ) in their most recent written communication to me. They violated the FDCPA by making a threatening statement that was clearly untrue. I have not only verified that this statement was untrue with the XXXX XXXX, but have also had a representative of Arnold Scott Harris ' collections department confirm the statement was 100 % false. 

A portion of their letter to me reads as follows, " By paying your balance in full or starting an approved payment plan YOU WILL BE REMOVED FROM THE BOOT LIST. You can pay with credit/debit cards over the phone or by calling us today. '' The obvious implication of the sentence about is that I am on the boot list, and am in danger of having my car booted and/or towed away at any moment. 

That statement is 100 % false. I called the XXXX XXXX XXXX office yesterday ( XXXX XXXX ) upon receiving this letter and spoke with a representative named " XXXX XXXX. '' I asked XXXX XXXX about this letter and whether or not I was actually on the boot list. He said that I was not on the list. I then asked him why the letter states that I am, and mentioned this was a violation of the FDCPA. XXXX XXXX went to retrieve a supervisor, but none were available. XXXX XXXX ended the call by assuring me that I was not on the boot list, as the letter claimed. 

On XXXX XXXX, I decided to contact the XXXX XXXX. The purpose of this call was to confirm whether or not I was on the boot list. I provided my licence plate number, drivers license number and the VIN number of my car. The representative informed me that there was only XXXX ticket on their record ( the one with XXXX XXXX XXXX ' office ) and that I was not on the boot list. 

It is abundantly clear from the letter that Arnold Scott Harris ' office wishes to scare me into thinking that my car is about to be booted and/or towed/impounded if I do not pay this bill. Why else would they say, " you will be removed from the boot list '' if payment is received? This is a clear violation of the FDCPA, as their own representatives agree that I am not on the boot list, yet their letter threatens otherwise. 

This is obviously a form letter, so I am clearly not the only person who has received such a letter. How many others are out there who are n't on the boot list, yet are being threatened with actions that the firm knows will never take place? 

This is completely unacceptable. A law firm should certainly know better than to issue a collection letter that is clearly in violation of the Fair Debt Collection Practices Act. Is Arnold Scott Harris somehow unaware that making false/misleading statements in order to collect a debt is illegal? I doubt it. I 'm sure this language is included in the letter on purpose, as scare tactics can be persuasive. 


PLEASE NOTE : Only XXXX options were allowed to " describe the issue. '' None were an exact match ... so I went with option XXXX. It is clearly an FDCPA violation, however.
They keep harrasing me at work, going XXXX to XXXX times a day, when they see im really busy with my customers. 
They will disclose my personal information in front of my customers and also blow up my phone at work. 
I already told them that i am going through a tough situation, i will pay once i settle down. Right now i have no money and my debt is only like XXXX dollarsThey threatened to call my supervisor from corporate and disclose my personal information with them. 
I have called the cops on them, so they can stop going to my job
There is a XXXX collection listed on my credit file, I have not had this company for 8 years. I have disputed with Equifax and they have never investigated
We were served with a law suit from XXXX and since being put on an automatic payment arrangement we have not received any information. We also believe the amount that was requested was over the amount we owe.