WillisBack/dataset-financial-user-claim huggingface dataset:
This is a request to investigate the following entities : Equifax, XXXX and XXXX for unfair and inaccurate and frivolous credit reporting methods and for lack of response ; and XXXX and XXXX XXXX, XXXX for reporting frivolous and inaccurate information with the intent to profit. 
On XX/XX/16, I disputed XXXX 's alleged " {$850.00} '' debt reported by XXXX   XXXX to the 3 Credit Bureaus, and requested a " detail statement '' from XXXX in connection to the alleged debt. Equifax responded by saying that the XXXX 's debt was " reported correctly, '' by XXXX XXXX. 
XXXX XXXX and XXXX have never provided a detail statement of the charges because the debt is frivolous with the intent to profit by using my credit record as a hostage until the frivolous debt is paid. 
The enclosed supporting documentation is proof that no monies are owed to XXXX/XXXX. It also shows that while XXXX was servicing my cells, XXXX continue to charge for a service not being provided. I contacted XXXX by certified mails, e-mails, phone conversation, in person without any success or response. 
It is my position that XXXX and XXXX XXXX, XXXX have not proved the alleged debt is valid. Therefore, I request that you investigate and have this frivolous debt removed from my credit history in the three ( 3 ) Credit Bureaus.
I 'm a victim of identity theft and took information and opened up account Comenity capital bank account
I have called the collection company ( XXXX XXXX XXXX ) many times over the last 30 - 45 days. I requested a copy or proof of the debts they had in collection and was assured they would order the records. I never received them. I have called back to speak to a manager several times, left a few messages to no avail. I did call on XX/XX/2018 a total of 4 times to speak with someone regarding this. I spoke with XXXX who said all she could say is they mailed them. I never received them. I am frustrated that it is taking 45 days or more for any action to verify the debts and I want them removed from my credit report.
Each month for the past three months, the " current payment due '' as listed on my account summary page on XXXX has not matched the " current payment due '' on my monthly bill ( PDF ). I did n't realize the discrepancy the first month, so I submitted the " current payment due '' as listed on my account. Several days later, I got a message posted to my online account notifying me that my student loans were delinquent because I had not paid the correct amount. I immediately paid the delinquent amount ( i.e. the difference between what was listed as current payment due on my billing statement versus the current payment due as listed on my account summary online ) to avoid a negative impact to my credit rating. However, this has happened now for an additional two months, so I finally called FedLoan customer service where the representative told me that this is a " known issue '' and they have their " IT guy working on it ''. As she explained it, apparently this is an IT issue that is causing the two " current payment due '' amounts to not equal each other. Understanding that data issues are troublesome, I am submitting this complain because this issue has persisted for at least three months at this time and is causing other borrowers ( such as myself ) undue confusion and has the possibility to negatively impact our credit. As this is apparently a known issue that has yet to be unresolved, I would expect that FedLoan Servicing would notify borrowers of this known issue to avoid confusion ( at minimum ). However, this has not happened so my hope is that this complaint will educate other borrowers of FedLoan Servicing 's current IT issue.
I called the XXXX XXXX XXXX with another finance company on a 3 way call the week of XXXX XXXX. We asked for a payoff balance with a 7 day accumulation. I was given a balance of {$1100.00} which XXXX XXXX XXXX sent and XXXX on XXXX XXXX. The week of XXXX XXXX, I received a payment receipt stating that I had a remaining balance of {$560.00} and that the payment submitted did not pay off my account. I called and spoke with the branch manager of the XXXX XXXX location on XXXX XXXX at XXXX XXXX est. I explained the situation to her and she stated she has no record of anyone in the office giving me this information an does not know how we came up with that calculation to pay. She also proceeded to rudely explain to me how interest is accrued and stated that I should know the amount of my loan and what I 've paid thus far. I asked if she was going to investigate who gave me the mis-information and she stated she would " handle her business ''. I asked if there was a way I could file a complaint and she gave me the regional manager number XXXX XXXX and falsely told me that he was in XXXX. I spoke with XXXX XXXX at XXXX and explained the situation to him and he also stated the remaining balance and said if their was some kind of record of the call where I was giving the wrong pay off balance or notes he could reference maybe he could do something but until then there was n't anything he could do for me. I reached out to XXXX XXXX at XXXX XXXX XXXX to see if the call was recorded from when we received the pay off balance and it was not. He did state XXXX from XXXX called him and said that we were given the wrong pay off balance and that I still had a balance on the account. At that time XXXX XXXX explained to her there was nothing he could do about that. I called XXXX XXXX back and gave him this new information. He again stated there was n't anything he could do for me, and all I could do from here was file a complaint with their audit company.
Chase bank sent me a statement for the month of XXXX, I have an auto draft of XXXX paying to them on the XXXX of each month. On the XXXX XXXX I wrote a check in the amount of XXXX to pay the entire bal which was shown owed. Chase recvd the check and processed on XXXX XXXX. On XXXX XXXX my account had a zero bal. On XXXX XXXX Chase charges my acct XXXX for intrest, which I was told by one of their Manager tonite that they charge intrest a month in advance. How can a person pay off a credit acct and then 3 days later the company charges intrest on a XXXX bal acct? If you recv a statement and there is a balance shown and you write a check for that amount ... How can Chase charge intrest on a paid off acct? I was lucky I went and looked at the acct, if I had n't they would 've changed me intrest then a late fee then it would 've made it to my Credit Beaurea shown that I was late.
I have paid in full my loan to XXXX XXXX XXXX. They stated that the check for the remaining escrow would be mailed in 20 days after XXXX XXXX 2017. It is being mailed out from the office in new jersey. I live in jersey. I have not received the check. The customer service agent didnt seem to know when it would be mailed out and when pressed she said it was mailed out today. i do n't believe them and there dragging there feet. Ita not there money. They do n't care. But it means alot to us.this is the email. 

Loan No. : XXXX XXXX XXXX : We reviewed your file and see that you spoke with a customer service representative earlier in the day. 

Your escrow refund check will be mailed to you 20 business days after XXXX XXXX, 2017. 

If you are refinancing, the escrow refund will need to be deposited with your new financial institution in order to avoid having a shortage in your new escrow account. 

XXXX PLEASE BE SURE TO INCLUDE YOUR LOAN NUMBER ON ALL DOCUMENTS AND PAYMENTS SENT. *** If you have any further questions, please log in to your account and send us an email through the " Message Center '' link. 

Thank you for providing us with the opportunity to assist you. 

Kind regards, XXXX XXXX Email Support Representative
I have a bankruptcy on my credit report that does not belong to me that is linked to my name .... I have disputed this several times and it keeps coming back as verified.. I contacted bankruptcy dept and they said that they did not verify anything with TransUnion because they dont have a bankruptcy under my name and ssn .. I dont have any bankruptcy accounts on my credit report but have a bankruptcy which is letting TransUnion know I did not file bankruptcy ... Under FCRA protection for consumers.. I request TransUnion to send me method of verification ( a ) name of courthouse ( b ) the persons name they verified the dispute with ( c ) the address ( d ) the telephone number ; and ( e ) the documentation used to verify the dispute ... And I need this deleted from my credit report
I have contacted Transunion at ( XXXX ) XXXX, as well as in writing, stating that XXXX inquiries on my credit report are invalid and unauthorized. These item 's remain, and I have been a victim of identity theft with a fraud alert placed for my protection on my report. I have continuously been told to contact the lenders and companies that have done the inquiries, and that transunion can not dispute or investigate on my behalf. Please assist. This has been affecting my credit report for months, and still no resolve.
Afni has once again despised a debt that was believed to be the result of id theft and removed from my credit once before there tactics are sleazy at best. I have asked even before my report with you and several reports with the FTC that this discontinue. The company has failed to provide any proof to the contrary and pay no attention to the FCRA or the Faor Debt Colllection act and continues to do business despite ignoring the law.
XXXX XXXX XXXX is listed as a collection on my credit report. I do not own this account.
I have disputed XXXX with Transunion yet they continue to " verify '' that the information is correct. I have disputed the company one time already with CFPB yet they did not reply so I 'm wondering how could Transunion get verification if CFPB could not. This company in question is a payday loan and in my state of NC I have found that they are illegal. So I am requesting the steps of verification that Transunion took and I am requesting that the company provide proof that there is a contract and that the contract is legal since I have found that payday loans are illegal in the state of North Carolina.
All state credit bureau made contact on two phone lines on Wednesday XXXX XXXX 2017, after we have requested through various sources for them not to make any contact. Though one call was not accepted due to our agreement, a call on our second line was recieved and XXXX agreed to settle the balance in full though a one time payment in exchage for removal of all references to the credit reporting agencies. The business said it would not formally do a pay for removal but that one the debt was paid, they instructed us to dispute the information and they would then allow the debt to be removed. this agreement was given on a recorded line by both myself and the business and multiple representatives have confirmed. we also have received this agreement with an expiration date of XXXX XXXX in writting from the business. In good faith i will make arrangments for the debt to be paid as we agreed and request that the business remove all references of the above mentioned account from all credit reporting agencies within 30 days and then resume our no contact agreement and make no further contact or attempt to collect on debts allegedly owed even though no contract exsists between the pittmans and all state credit bureau inc. While All-State Credit bureau inc is  already in violation on FDCP law XXXX. Communication in connection with debt collection because they have attempted to make contacted after being asked not to in writting, we will not at this time pursue legal action as long as all parts of our agreement both written and verbal on recorded line are honored. if not we will invoke our right to do so.
Caliber Home Loans ( XXXX ) refuses to process our mortgage loan, or consider any others alternatives to foreclosure sale which is pending XX/XX/XXXX. As an urgent effort to save our families primary residence we are requesting an immediate foreclosure intervention by your offices. XXXX is in direct violation to the terms of the National Mortgage Settlement ( NMS ), Making Homes Affordable Programs ( MHA ) as well as recently enacted articles of the Consumer Financial Protection Bureau ( CFPB ). Our family has recovered financially from multiple job separations and other setbacks. All of the negative obstacles which once plagued our family 's lives are finally past us. We are simply seeking a fair opportunity to save our home which we have tried so diligently to keep through all of our ups and downs. 
XXXX, also alleges to have mailed an offer for assistance to our home last winter, XX/XX/XXXX. However, nothing was ever received regarding any such offer to modify our mortgage, we love our home and would have accepted any opportunity to preserve that dream, and these are simply unnecessary forms of lender abuse. 
Additionally we have received notices from XXXX, which have raised alarming questions regarding the ownership rights, as well as XXXX possessing the legal ability to initiate foreclosure of our loan XX/XX/XXXX. XXXX, has given no intelligible response as to the questions we have surrounding the letters which we have attached for your office to review. In fact, we have served XXXX with a Qualified Written Request ( QWR ) in order to force validation of the debt and chain of title and they have failed to respond. As Primary investor, XXXX or whomever claims to be is required to have necessary sales affidavits, the Alonge to the Note as well as complete accounting of our loan immediately after transfers to a new servicer or investor. We feel that our escrow may have been padded during this latest transition as well as XXXX, has countless viable consumer complaints currently pending from homeowners reflecting on their own personal types of unfair and abusive treatment. XXXX, is in violation of improper validation of a mortgage debt following written consumer request, as well failure to record changes here at XXXX County Records additionally failing at their Custodial obligation of Duties under RESPA Regulation Z. 
( See Exhibit A ) XXXX, enforcing there will upon our family surrounding such heinous violations to the Federal housing laws and regulations is a true tragedy. We feel that XXXX, has failed at their ability to conduct their servicing obligations which is transparent nor fair and lacks integrity. As such we implore your office to intervene in our pending sale date as well as open and inquiry within the XXXX organization for wrong doing on multiple levels. We ask that we be allowed to process our loan for loss mitigation review alternatives to foreclosure ; rather than being forced into emergency bankruptcy. 

Thank you in advance for your prompt response to our urgent matter and approaching sale date pending XX/XX/XXXX.
I took out a loa n from My Rich Uncle i n  XXXX , which was taken over by Younomics. In  XXXX , I joined the  XXXX   XXXX . Pursuant to the Servicemembers '  Civil Relief Act, my lender should reduce my interest rate to no mo re than 6 % - they refuse to do so. I am currently being charged 10.75 %, and am still on  XXXX   XXXX . I have consulted my installation legal attorney, who suggested I file a complaint with the CFPB.
On XX/XX/XXXX at XXXX XXXX MST, I received a voicemail from XXXX XXXX at Alpha Recovery. The call was from XXXX, but he requested that I call him back at XXXX regarding an attempt to collect a debt. I was not familiar with this company and had not received any written notification of a debt from them. 

I left two messages for him, asking him to call me back, one on XX/XX/XXXX at XXXX XXXX MST, and a second on XX/XX/XXXX at XXXX XXXX MST. I asked that he call outside of my business hours. 

I received a voicemail from him on XX/XX/XXXX, this time from XXXX, but again asking me to call him back at XXXX. I called back at the requested number. He asked for my date of birth or the last four digits of my SSN to confirm my account. I stated that I was not comfortable providing this information to an unknown company. At this point, his demeanor abruptly changed. He stated that we had spoken on the phone when he called me at my work number of XXXX. I explained that I did not recognize that number and that we had never spoken on the phone - I had previously only left messages for him. He asserted that, since I did not want to confirm my personal information, I was refusing to move forward. He spoke over me, ignoring my efforts to speak with him, and he hung up on me. 

I called XXXX, the original number of origin, and spoke with XXXX " XXXX '' XXXX, on XX/XX/XXXX at XXXX XXXX MST. I asked for a supervisor and was forwarded to XXXX XXXX. He also asked for my DOB/SSN last 4, which I refused to provide. He said he will mail a letter confirming the debt to the address on file, but he refused to indicate the address or even the state in which it was located. He then repeatedly asserted that, since I refused to provide my DOB/SSN, I was refusing to proceed, then stated that we had nothing further to discuss. Like XXXX, he spoke over me, effectively ignoring my further attempts to speak to him, and hung up on me. 

I then called the corporate line listed on Alpha Recovery 's website ( https : //www.alpharecoverycorp.com ), XXXX, on XX/XX/XXXX at XXXX MST. I spoke with a woman, who confirmed that XXXX XXXX was the manager of XXXX XXXX and XXXX XXXX, and that all three worked at Alpha Recovery. She again requested a DOB/SSN, which I refused to provide. I asked her to mail a letter to whatever address she had on file, which she stated she could not do without first confirming my identity, citing federal regulations. At this point, we ended the call. 

Overall, I am concerned that this group of people is running a scam designed to obtain personal information from concerned individuals. They called me from various different numbers, hung up on me after I declined to provide sensitive identifying information, cited an invalid phone number but then refused to provide any information on the account, and claimed falsely to have spoken with me in the past. They did all of this without providing any written documentation of a debt. I strongly suspect that these attempts to collect personal information were fraudulent.
have submitted a loan modification over and over at this point I don't think the package goes to underwriting the loan was originally a bad interest only loan Ocwen just keeps adding onto the interest only balance there is no justification to what happens once a package is sent to Ocwen its apparent that a review to assist me with this bad loan happens ; in a few days after receipt of the pkg. Ocwen denies
I was contacted XXXX/XXXX/2016 from Alliance Group & Associates from XXXX XXXX XXXX XXXX in regards to medical bills that had gone to collections from services in XXXX. The first associate I spoke with told me that if I did not pay, then my wages would be garnished. The second associate I spoke with told me that a letter of verification of debt would be sent to the address on file, per my verbal request. On XXXX/XXXX/2016, I called to follow up as I had never received my verification letter. I was told that I had already received the required legal documents previously ( in a 10 year span ) and that a note had already been placed on my account stating I refused to pay. The associate then began to make inappropriate comments in regards to my ability to pay as well as my lack of interest in paying. I requested to be transferred to a manager, who refused to provide me with a mailing address and also denied being a debt collection agency, stating that they were retained by their client, XXXX XXXX XXXX, to attempt to make payment arrangements. She also refused to provide me with the contact information for XXXX XXXX XXXX, continuing to evade and redirect my questions. I found the contact number for XXXX XXXX XXXX ( XXXX ) XXXX, where the gentleman did not state his name or company name, but very clearly let me know that he could not provide me with any information, that I would have to contact Alliance Group & Associates. This supposed debt has never been reported to any of the major credit bureaus, and subsequently has never shown up on my credit report.
I filed a Chapter XXXX Bankruptcy on XX/XX/XXXX. The Bankruptcy was discharged on XX/XX/XXXX. That being said, it got my attention that on a credit report pulled on XX/XX/XXXX I found that XXXX mortgage loans with XXXX XXXX XXXX and an auto loan with XXXX XXXX have been reported incorrectly for almost 2 years or so. Here is the detailed information of these XXXX accounts : XXXX XXXX XXXX Account # XXXX - Status : Bankruptcy - Last time reported : XX/XX/XXXX XXXX XXXX XXXX Account # XXXX - Status : Bankruptcy - Last time reported : XXXX XXXX XXXX Dealership Account # XXXX - Status : Bankruptcy - Last time reported : XX/XX/XXXX I never missed a payment. I understand that during the bankruptcy process the financial institutions mentioned above could n't report my payments to the credit bureaus because that would be a Federal Law violation. But what about after the Bankruptcy was discharged? I have proof that I have been making payments on time to the financial institutions mentioned above. The mortgage loans with XXXX XXXX XXXX are still active and I am making payments. The XXXX XXXX auto loan is finished and I received the Certificate of Title on XX/XX/XXXX. So how come these XXXX accounts status is still " Bankruptcy ''??? 
Please see the page of my credit report where the account not only are report as COLLECTIONS but the creditors reported the accounts with " Bankruptcy '' Status a year later after the Bankruptcy was discharged and no payments reported after that. So, what happened with the payment history of these XXXX accounts?
TO WHOM IT MAY CONCERN-THIS ACCOUNTIS REPORTING AS OPEN AND PAST DUE THAT WAS INCLUDED IN MY CHAPTER XXXX CASE # XXXX. I HAVE MADE MANY ATTEMPTS TO THE COLLECTIONS AGENCIES TO CORRECT THIS INFORMATION WITH NO SUCCESS. THESE ACCOUNTS HAVE ALSO BEEN SOLD TO NEW COLLECTION AGENCIES THAT ARE REPORTING THESE ACCOUNTS AS NEW ACCOUNTS, WHICH I UNDERSTAND TO BE ILLEGAL PRACTICES AND HINDERING BY ABILITY IN REHABILITATING MY CREDIT AND MY PROTECTION UNDER THE CHAPTER XXXX BANKRUPTCY LAWS. 
ATTACHED YOU WILL FIND A COPY OF MY CREDIT REPORT AND CHAPETER XXXX PAY SCHEDULE OF CREDITORS
I have a parent loan I got for my Daughter to go to XXXX which is now closed and I feel XXXX should pay all the loans off for anyone that got a loan for that so called school. 
But I can not afford the payments that I have for the loans no matter that they think I can I need to at least lower my payments
I have checked my report thru the monitoring service and see several items like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that I am not familiar with and from reading more here on the Consumer Financial Protection Bureau then please delete this misleading information in order to show my true credit history. By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand that the following items be re-verified and deleted from my record.
Global Receivables Solutions has been calling me every hour without leaving a voicemail. I 've received nothing from them in the mail, so I do n't know what their supposed business is with me.
I had a charge card with XXXX XXXX XXXX XXXX card number XXXX XXXX XXXX with a {$4600.00} balance that was charged off. I attempted to settle this debt with XXXX XXXX but was told the debt was " cancelled ''. They sent me a XXXX ( which I have attached ). A cancelled debt that I am unable to pay can not remain on my credit files. I can not be held in jeopardy for something that I am unable to correct. 

I disputed this with Equifax, XXXX XXXX and directly with XXXX XXXX and they left the item on my file.
I called a debt collection agency ERC for a XXXX account I had found on my credit report in hopes to find out more information. I specifically called and asked for a letter or some form of verification of this account because I believed it to be fraud. The lady I was speaking to did not send me a letter nor did she take my correct information down, she just tried to force me into a settlement for this account I never knew existed.