WillisBack/dataset-financial-user-claim huggingface dataset:
In response to my first complaint (  XXXX  )  NCB Management sent   information to an address that does not belong to me, never has belong to me, and to which has been a disputed address on my credit reports. Whether mail was returned via the post office is not for me to find ou t, 1. Ho w would I know mail was sent if the address is not mine?     If mail such as this was sent via certified mail with signature requested then we would n't be going through this right now.  XXXX  nor  NCB Management s ent me validation of this debt or the notice it was going to be reported, nor did either of them send me the notice of sale after repossession until this complaint was filed t hen NCB sent n otification and documentation. This is against laws, and part of a repossession is to provide a date and time of sale in case the consumer would like to gain ownership of the car again and that 's was never received until after complaint through the CFPB.
Given bogus account numbers theft of funds screamed at by staff illegals on call refused checks basically lied too XXXX, told a bout thirty min ago my acct, number do n't work.ssi ssa checks missing this banks a failing XXXX, XXXX bank it 's nothing.s sections,1692 e -- k, ,violates regarding misrepresentation, n false statements n lies n debt collection or elevating I should say theft vs my funds n my account about two days ago I was told $ XXXX, some change in account n ssi ssa check had n't hit yet, but XXXX $ is missing banks not coughing it up fine this bank to for disclosure scams solicitation by illegals on call of id theft victim XXXX, and basically when u call debit card number it dispelles, all your data on thee,  call to whoever may have gotten your card huge security breach XXXX XXXX, there shut Huntington down the calls are recorded for quality control purposes so if you think I 'm lying just took the call she said the bank number after giving it to her the Immigrant lady female XXXX she said that it did n't work what they gave me a non-working bank account number than what the XXXX I never delegated any Authority or assigned any power through my words verbally to the bank telling them to take my money and still it move it or nothing like that so I do n't know what 's going on with my checks from Social Security and XXXX getting his Banks XXXX I rest
On multiple occasions I noticed transunion and XXXX XXXX online retailer their reporting of a XXXX balance is incorrect and should be deleted from my credit report. I opened an account in XX/XX/2010. Had it for 1 year paid for items received. I ordered holiday items a couple of years later. The items were poor quality. I returned the items via USPS. I called because the credit to my XXXX XXXX account was less than what I returned. company representatives advised all the items were not in the box. I advised them they should check their warehouse, post office but I returned all. The fact they had some of the returns should warrant an internal investigation. No one looked into the matter. I sent letters to the company and the credit bureau. All responded the debt was verified disregarding I returned the items but the company stated it was a partial return. Transunion in more than one case sides with the corporation disregarding proof of error.
In XXXX Greentree LLC was whom I made my payments too. The hid checks and charged me late fees. I had been trying to do a loan modification.., It took me two years and 8 applications. I finally got a mediator to assist me so they would stop with this deceit. When the banks received the money from the government XXXX XXXX XXXX hid me so deep that I had no IDEA they had my mortgage. In XXXX I became XXXX XXXX. And was XXXX at XXXX Hospital . They called me to collect XXXX XXXX I was short on my mortgage payment. They constantly harassed me. My point is I received a call that there was a lawsuit against them. It was to late when I reported them. The gentleman told me to file a complaint. I now sit with a {$62000.00} deferred balance that should of been forgiven. Being the dishonest company that they were. I challenged it and they told me. It was like driving a car off the lot.. It depreciated when you drive it off the lot. 
I have been sick with XXXX XXXX for 7 years now. And I have finally had remission. I am back on my feet and trying to resolve these issues. 
XXXX XXXX holds my mortgage and Ditech took over XXXX XXXX. That's to whom I make my payments too. 
I am not sure what to do. I know this whole mess is the deceit of a company and their employees who made profit off there collections. 
Thank you and please help me.
I am trying to get a modification and have submitted all of my documents 2 weeks ago but it still shows that I need to submit documents and does n't seem like anything is moving. When I call they keep telling me 7 days or 15 days etc.
I recently obtained a copy of my credit report, which contains inaccurate or outdated information reported by your XXXX. in accordance with the Fair Credit Reporting Act, XXXX XXXX section XXXX. 
Account must be deleted from the report as soon as possible : DSNB/MACYS ACCT # XXXX Bank XXXX XXXX ACCT XXXX XXXX Capital XXXX bank USA NA ACCT # XXXX DEPT OF HEALTH AND HUMAN SVC HRSA ACCT # XXXX DSNB/MACYS ACCT # XXXX ENHANCED RECOVERY COMPANY ACCT # XXXX XXXX ACCT # XXXX The following inaccurate information must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act
I have a loan with NAVY FEDERAL CU. 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 and NAVY FEDERAL CU with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 59 days late.
I contacted this collection agency back in XXXX/ XXXX/ 2017 regarding the validity of this account. According to my FCRA & FDCPA rights, the company has 30 days to verify debt or it must be deleted. I have never received validation.
In XXXX my husband died and all creditors were so notified. Chase would not allow me access to the HELOC account that they had apparently purchased in a bundle, nor would they speak to me. I have never been in a Chase bank. However I continued to pay all bills as my husband had done. In XXXX or XXXX XXXX men knocked on my door and told me I needed to vacate my home because it was in foreclosure. The men were dressed as sheriff deputies in tan shirts and brown pants. My only option was to sign for XXXX XXXX envelopes that they handed to me. There was no XXXX truck. There was no XXXX 's vehicle. When I protested that it might be improper to sign for a dead man, they insisted that I must. I caved, signed for a dead man, and was awarded the envelopes. 
Opening the envelope that was addressed to me, I compliantly endured XXXX or seven months of weekly phone calls from teenagers in a call center somewhere in this country where the name " Chase '' is pronounced " XXXX ''. They told me I must first refinance my first mortgage which had been purchased by XXXX XXXX. XXXX XXXX was happy to refinance me and did all that was " required '' by XXXX regulations. Sure, they were happy to help. Lowered my monthly payments with a brand new 40 year loan, extended the date of maturity to XXXX, when I will be celebrating my XXXX birthday in a home I will have been making payments on for 64 years. XXXX, now the kids in Chase 's call center could work with me. Another XXXX loan application with Chase, with at least XXXX copies of my dead husband 's death certificate faxed before getting the giggly and happy call from my " home preservation specialist '' offering me XXXX options. XXXX. Pay them {$50000.00} immediately, or XXXX vacate. 
Mind you, I had been making payments to Chase continuously, they blocked me from their website, and refused to send me a statement. 
I had a bleeding ulcer by this point, and told my teenage home preservation specialist not to call me any more. She seemed genuinely perplexed. I kept paying. 
In XXXX of this year I was again delivered XXXX XXXX envelopes, but this time by a real XXXX employee ' who knocked loudly left the XXXX envelopes at the door, as the real ones do. Inside my envelope they have now decided to offer me a 40 year loan with the lure of a 1 % finance rate - - the first year. In the name of all things decent and honest I must ask, how can this still be happening? They use words like " time is of the essence '' and continue to follow up with phone calls from children who have no idea what kind of predatory work they are doing. " Escalation Division ''? Illegible online accounting? 
This has been a nightmare for the honest woman that I am. It is a horror. 
I would send a copy of this to XXXX XXXX, but it is NOT funny. They will forever refuse to acknowledge my husband 's death, nor will they report the interest paid to my social security number. They continue to use his, so I will forever get annual IRS notices that I have claimed interest not due me. Thank XXXX the IRS does have bright honest people in its employ, who readily see where the problem has arisen.
I have provided the following information to XXXX, TransUnion, and XXXX XXXX XXXX XXXX : I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copies of the reports I received from XXXX and TransUnion. 
This item, XXXX XXXX XXXX XXXX, Home Equity Line of Credit is inaccurate because the date of first delinquency ( DOFD ) is either missing or inaccurate. As a result, the negative information associated with this specific tradeline is listed in my consumer file longer than legally permissible. 
The Experian report does not specify a DOFD. The TransUnion report indicates a Last Payment Made of XX/XX/XXXX. More than ten years ago. In addition, the property securing the Home Equity Loan was foreclosed on in XXXX. I have enclosed a copy of the Foreclosure Deed as additional proof. The Foreclosure Deed was recorded in New Jersey with the XXXX County Clerk on XX/XX/XXXX. 

I am requesting that the information in your records be corrected and that the item be removed from my XXXX and TransUnion credit reports to correct the information in my file. I have disputed this item with XXXX and TransUnion and have not been given an explanation as to why the file has not been corrected. 

Enclosed are copies of the Foreclosure Deed and the relevant portions of my XXXX and TransUnion credit reports along with the disputes which support my position. Please reinvestigate this matter and delete the disputed item as soon as possible. 

XXXX is providing incorrect information to XXXX and TransUnion. There were no payments made in XXXX. The last payment date shown by TransUnion is XX/XX/XXXX. The date of first delinquency is over ten years ago. In fact the property securing the loan was foreclosed on and the foreclosure deed recorded on XX/XX/XXXX. Nearly nine years ago.
Navient told me to get my form stamped. Then denied it again saying the date was wrong and the third time said was denied because my new school is not under the XXXX XXXX Program. I asked about the statement and I quote : " '' Deferment Only '' means that U.S. students may defer making payments on existing federal student loan accounts while enrolled in an eligible program at a deferment only XXXX university or college, but may not take out federal student loans for enrollment at the deferment-only XXXX university or college. '' I asked about that and they just said I must keep paying them monthly. Now my account is delinquent and I can not pay the loan and school at the same time. They have in their site a 48 month deferment period may be granted. Also I asked twice for a XXXX representative and just got a translator for a few minutes before he left and I had to keep trying to finish the conversation without help. 
.
The promissory notes for my private loans were stolen out of my home. I have been trying to obtain copies of the promissory notes from my student loan servicer. I had XXXX XXXX Loans ( XXXX ), but my loan servicer has provided a copy of the promissory note for only XXXX XXXX loan. I have asked for a copy of the XXXX loan, and I received a form letter that said, " enclosed in the information you requested, '' except the missing promissory note for the XXXX XXXX loan was not enclosed. I have been requesting copies of the promissory notes on all my loans from the loan servicer since XX/XX/2015.
I did my tax returns on XX/XX/XXXX and accidentally typed one digit wrong for my account number since I chose direct deposit. Golden One Credit Union refuses to be of any assistance and did not check the social or other info to verify it was the correct account. I already contacted them and the irs to no avail. A letter of indemnity was sent 90 days ago. It was {$570.00}. The other account withdrew the money immediately and supposedly spent it. The money was deposited into the other account XX/XX/XXXX.
My loan was sold to Dovenmuehle ( DMI ) late XX/XX/XXXX and from the start the loan was boarded incorrectly and the problems started. They decided to force-place flood insurance on my loan even though my loan documents at closing show flood insurance already in place and also more paid in advance. I also emailed the flood insurance policy on XX/XX/XXXX and they still could not get it right so i had to email again on XX/XX/XXXX. Now they force-placed homeowners insurance even though my loan is a non-escrowed loan and my original loan documents show the homeowners. They have also charged me late fees even though my loan payment was never late. I have to take time out my busy day to " justify and validate '' that I am correct versus DMI spending the time to ensure they have set up my loan correctly and instead of calling me to discuss and confirm accuracy, I have to go out of my way and spend time away from work to call them and correct what they did wrong.
This company has reinserTed this debt on my credit file after it was previously deleted which is illegal. This account was removed from my credit file with XXXX in 2015 and they have turned around and out it back on my XXXX file without properly notifying me.
They removed XXXX XXXX AFTER MY DISPUTE INVESTIGATION. OF ALL XXXX ACCOUNTS THAT DO N'T BELONG TO ME. I AM ASKING THAT THEY REMOVE THE OTHER XXXX ACCOUNTS LISTED AS XXXX FROM MY CREDIT FILE. 
ALSO ACCOUNT XXXX XXXX DOES NOT BELONG TO ME. THIS ACCOUNT AS BEEN REMOVED THROUGH XXXX CREDIT BUREAU AFTER THE INV ESTIGATION OF MY DISPUTE. PLEASE CONFIRM THIS STATEMENT WITH THAT CREDIT BUREAU. I have attached proof of certified letter I sent regarding this concern. Also evidence of the REMOVALS that have occurred by EXPERIAN regarding those accounts.
Suntrust Bank I opened my account in XX/XX/2018 and did not consent to Overdraft coverage. Bank automatically enrolled me even though I did not mail in a signed overdraft coverage consent letter.

They charged me 6 overdraft fees of XXXX $ charge each on XX/XX/XXXX. I called the customer service to request a refund and told them what they did is ILLEGAL. They told I have to call the manager and ask them to prove I don't have a signed document. They refunded me 2 fees for courtesy when this was a bank error in the first place. During this process, they treated me poorly because my account was overdrawn and made me chase them all day to resolve the issue. They did nothing on their end to fix the issue and reach out to the bank manager. 
Then I called the manager and managed to get refund for 4 remaining overdraft fees. 

A month later, Suntrust charged me 8 overdraft fees between dates XX/XX/XXXX and XX/XX/XXXX. I was charged 3 duplicate overdraft fees and 1 extended overdraft fee for XXXX transactions which were supposed to be declined in the first place. I want these fees to be refunded but the bank says they can't help because I already received refund for 6 overdraft  fees a month ago. I told them those fees were bank error and not courtesy refunds. 

I was told if my bank account has no money, transaction would simply be declined. Only bill pay and paper checks can overdraft balance. 

I have {$280.00} overdraft charge in my account currently. Please help.
My credit report shows an account with XXXX/JcPenney and I want to dispute this account. The credit report shows a payment was made on XX/XX/XXXX. It also seems as if other payments and charges were made using this card in XX/XX/XXXX. I have not made any charges or any payments on this card in over 10 years. If any charges were made on this card in the last 10 years, they were made fraudulently. Any payments made on this account in the last 10 years were not made by me. I called XXXX/JcPenney on XX/XX/XXXX and spoke with XXXX XXXX from XXXX who said he can not provide any information about the purchases, balances, or payments. He said I would need to call XXXX XXXX XXXX at XXXX to get the details of the account. I called them and spoke with XXXX from XXXX-XXXX she said only the original creditor can provide the information about purchases and payments being made. She said the balance is {$340.00} however, the credit report shows the charge-off amount was for {$51.00}. Neither of the two companies will provide me any information about this account and I do not owe them any money. 
Thank you for your time.
I have a credit Card from Citi Bank. I accidently failed to make one payment of XXXX dollars. 
The next day they started calling me all day long. They made threats and harassed me all day. I asked them to stop and they reminded me about accounts from thirty and twenty years ago. There was XXXX account from twenty years ago, this account was discharged in a bankruptcy twenty years ago. They still wanted me to pay on a discharged account. When I spoke to them they were abusive and nasty. They are the worst Credit card company I have ever been so badly abused by. Please listen to me and do n't do Business with them
Carvant financial is very difficult to deal with. We purchased a vehicle in XXXX 2014. The vehicle had blown head gaskets and now a transmission just went. The car is full of rust and should n't have even been eligible for financing. The dealership XXXX closed down so I am trying to find out if they went out of business to pursue them legally. However I called Carvant asking them for the principal amount and amount of payments that went to interest versus principal and copy of sign documents they have for this contract and they have not produced those documents to me. Finding out they have a gps device on the car however I never recall signing for that to be on the vehicle I want proof of that document signed by XXXX XXXX and myself to validate that it should be on there. Also they said they can legally repossess the car any day it goes pass the due date of XXXX of each month and I want to know if that 's true in state of Pennsylvania although we never been more than even 10-15 days late.
I was contacted by Williams and Fudge Inc about a debt that I owed to XXXX University. I was told that I could settle the debt of XXXX for half XXXX. I made a payment of 2000.00 on XX/XX/XXXX and it was processed on the XX/XX/XXXX. I made the additional payment of XXXX on the XX/XX/XXXX and it was processed on the XX/XX/XXXX. I was told that I would receive a written statement that my account had been settled. Today on XX/XX/XXXX I was told that the second payment of XXXX was not received and it was returned and I would have to pay it again. I reached out to the bank the card was from and they provided me with documentation showing that they still had the payment and it was not returned. When I spoke with the company the person I spoke with did not give me any reliable information, she told me that she saw I spoke with a person and made the payment for the remaining balance but it was not there and she didn't tell me who to speak with or explain to me how or what happened. The only thing she told me was I would have to pay the additional amount for it to be settled. I have attached the account balance showing the XXXX I paid from there site, the XXXX payment from my bank when it was made and when it was posted, along with the original email when the settlement was established.
items continue to be inaccurate, have not received any proof of an investigation after continually requesting how items were verified as being correct. accounts are violation the laws of my bankruptcy and they refuse to delete or fix them.
This in a complaint against the credit bureau EQUIFAX, XXXX who are violating federal law credit, my case is next, I am a victim of identity theft and have sent them more than 7 times this support police report where are each of the XXXX that were opened under fraud without my permission, I call every day and for the abuse towards me is having me for over an hour for the department fraud treat me and have the nerve to not attend the call and the call of waiting falls, I could only communicate with the department of disputes and they can not do anything, I 'm a little tired XXXX this situation XXXX.
I disputed an incorrect account belonging to XXXX XXXX on my credit file. Equifax credit reporting agency deleted the account but reinserted it onto my report without notification. By law I am required to be notified within five days of a negative item being reinserted onto my credit file. On the attached files, I 've included photo proof showing the account was deleted from my credit file. As well as proof of the account beign reinserted onto my file.
This is an ongoing issue with TD Bank. 

The Bank is refusing to accept a CERTIFICATION OF TRUST in Lieu of a Trust Agreement despite a Florida law ( XXXX ) to the contrary. 

Please investigate the business practices of TD Bank, specifically in Mortgage Origination as it pertains to Trust requirements.
XX/XX/XXXX Dear Sir : This is a comlaint against this HunterWarfield, XXXX XXXX XXXX XXXX, XXXX FL XXXX Fax : XXXX XXXX Phone : XXXX This company has done the following which seems illegal 1 ) Added false information on my credit profile : It has added a claim of about {$800.00} when with reference to my prior house rental lease, when in fact I have already confirmed with my former landlord that no charges remain.
2 ) Broke the law, specifically Fair Credit Reporting Act ( FCRA ) by : Failing to provide the original documentation on which this claim is based on. When I requested to e-mail it to me as I was not receiveing their mailed items, their agent Maning provided misleading information that they can not email as per FCRA. I later checked FCRA and it allows for communciation over e-mail.
Here 's the relevant excerpt from the FCRA > > ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
I have already issued 2 written notices to Hunter Warfield to either provide written documentation or remove this item from my profile. But they are not acting XX/XX/XXXX XX/XX/XXXX Please take the necesssary legal action to get this questionable company 's claims off of my credit profile, and audit the legality of this company 's operations. 

Thanks
I have a loan with XXXX XXXX XXXX. 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 Experian, XXXX, and XXXX XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX only reporting me 30 days late. There was definitely an error on their part. I was never 30 days late.
This credit card account is just now coming to my attention. I did not open a credit card through HSBC bank based out of Nevada at any point.
Bankruptcy discharged without refirmation. Then transferred to Fays Servicing, failed modification. Relocation check, then Redress check for {$150.00}. Now IRS bill for {$10000.00}.