WillisBack/dataset-financial-user-claim huggingface dataset:
the debt in question was incurred under the duress due to XXXX 's billing tacticts. I was covered under insurance and prohealth was made aware of the coverage but they informed that they did no participat with my insurance company less than XXXX hours before the performance of my surgery.
I have a personal loan through One Main Financial in XXXX, KY XXXX. If I am ever late on a payment, they call me multiple times a day, and they continue to call me before XXXX XXXX despite me telling them not to.
I have received an automated phone call from XXXX. The automated message identifies themselves as Lendgreen. This company has been leaving automated messages for every day for more than a year, sometimes several times a day.
This is a follow-up to a previous complaint about this company. 

They have continued to call our business line looking for someone else. They have the wrong number. 

We filed a complaint with the CFPB in late XX/XX/2018. Transworld Systems ( TSI ) replied saying they removed our number from their systems on XX/XX/2018 and have no intent to communicate with us further. 

However, they clearly have not kept to their word. They continue to call us.
I was contacted by company called XXXX XXXX XXXX back in 2011. I know this was a long time ago but I have been fighting this with their client. Apparently, XXXX was collecting on a debt for Asset Acceptance LLC located at XXXX. XXXX XXXX XXXX, NY XXXX. I believe XXXX, now known as XXXX XXXX XXXX filed to meet their minimum standards to protect customer data or / and prevent identity theft. I have XXXX pages of correspondence an I have contacted the XXXX. No Response. believe someone, opened an account in my name and it was finally taken off the credit reports, but they should have used third party confirmation or other means to safeguard customers.
spoken with XXXX, transunion, and XXXX on numerous occasions about my credit score dropping. my credit score was at XXXX then dropped to XXXX, and again on XX/XX/2018 to XXXX now as i stated before i pay for a service to monitor my credit score and or file but to have inconsistencies regarding my score dropping is unreal based upon me paying all my bills on time without delay and decreasing the overall debt ratio of my credit file.in addition i believe that they meaning reporting agencies are deliberately defarud me of my right as an consumer, by not reporting correctly however charging fees for inconsistent reports. i would like to be able to sue in federal court based upon deliberately reporting false information on my credit file and report to others.
Between XX/XX/2018 and XX/XX/2018 XXXX retail was added to my account and it was closed due to inactivity. I have never opened this account.
According to Equifax, my information " may have been '' compromised by their breach. Because of this, I felt I had no alternative but to place a credit freeze with all three bureaus. Each bureau charged {$10.00} to place a credit freeze ( including Equifax ) AND they will also charge a fee when you request to unfreeze it in order to give potential creditors and/or employers access. I contacted Equifax and asked that they refund the {$30.00} because they are responsible for the threat I now face. They informed me that they have no intention of refunding any credit freeze fees, but they are offering credit monitoring for one year. Their nonchalant response with practically no offer of assistance or protection is NOT acceptable.
We recently bought a new house and our loan was bought by several companies before staying with Selene finance. We paid our first payment ( XXXX ) via check. It was made out to Selene and they cashed it and it cleared our bank. When we went to set up our online profile on their website a month later it had said that we didn't pay for the month of XXXX. When we called them to find out what happened to the XXXX payment we were told that it was " reversed '' ( they couldn't tell us who reversed it or why ). We never got our payment refunded to our bank though. We have called dozens of times and each time we have gotten different answers on why it was reversed and why we didn't get our money refunded. Reasons varied from the payment was for a month prior to us buying the house, the routing number on the check was hard to read, they didn't even see the check and they didn't know why it was reversed and one time they just hung up without ever calling back. We were also told that we made it out to the previous lender but we sent them a copy of the cleared check showing it was made out to Selene finance. They had stamped the back and cashed it. Every time we talked to someone they said they'd find out and call us back. No one ever called back. After several calls they said they would look into it. Shortly after that we received a letter saying that they would investigate over the next 30 days and they wouldn't report any detrimental info to the credit agencies. The 30 days is almost up and no one has called. After we called several more times they have not gotten any info on what is happening. We were not allowed to pay our XXXX payment because the system wouldn't let us without repaying for XXXX. Recently we received certified mail stating that we were in default for failure to pay. We called and got in touch with the supervisor XXXX who said he'd look into it and get to the bottom of it and call us back. That was several days ago. I called again and was told that the default was still in effect but after everything is sorted out it should all fix itself and fall into place. They could not give me a time frame on when it would be figured out.
I have submitted numerous disputes regarding the reporting of XXXX XXXX XXXX reporting inaccurate information. Transunion has allowed them to correct dates that were wrong which indicates they have communicated with XXXX XXXX directly. I actually received a letter from XXXX XXXX outlining dates of payments and the date the account was sold to a third party. 
The information on my credit file shows a chapter XXXX filing which is a payment plan. XXXX XXXX states on the credit file that a last payment was made XX/XX/XXXX when they first stated the last payment was in XXXX. XXXX. XXXX XXXX states in their letter to me that they were notified of a filing by me on XX/XX/XXXX but provided no proof. Also they said they sold the loan to XXXX XXXX XXXX on XX/XX/XXXX after charging this account off on XX/XX/XXXX. A letter from XXXX states that they bought the loan not XXXX XXXX XXXX onXX/XX/XXXX.They also state that this account was charged off in a chapter XXXX bankruptcy not chapter XXXX. 
This account has been inaccurately reported for over 3 years with Transunion claiming they have investigated this account with the creditor which actually don't have the account! That in itself is a violation of the FCRA. 
I have provided copies of paperwork of the above mentioned facts which has been ignored. The original creditor information is incorrect to the dates and who they sold they account to. Also they no longer have the account and is reporting inaccurate information about a chapter XXXX bankruptcy that they haven't provided any proof exist. The same chapter XXXX that was deleted from my XXXX  file during my complaint to the CFPB ( reference complaint # XXXX ). 
There's a bankruptcy under XXXX XXXX XXXX XXXX which is not me. Im just XXXX XXXX XXXX. I believe the items reporting on my credit file ; XXXX XXXX XXXX acct # XXXX and XXXX   acct # XXXX belong to that individual and are being reported under my name and credit file.
I made a mobile deposit of a check on Friday XX/XX/XXXX and it is now Monday XX/XX/XXXX and I still do not have access to my money. I have called 3 times and have gotten 3 different answers. First they said the XXXX, then the XXXX, now the XXXX! This is not my 1st deposit from this company and my check is less than {$500.00} so I don't know why it is being held up. They have just ruined my son 's XXXX. It is the only money I had until 2 weeks from now. He has no food. No diapers. Thank you CITIBANK. Nothing can rectify this situation. I am extremely disappointed.
This is a student loan dating back to XX/XX/XXXX with problems associated with my loan balance, loan type and documents containing false signatures/initials. My student loan with XXXX XXXX was transferred multiple times and the balances, type of loan and contracts kept changing without my knowledge. I was notified, via telephone call from the XXXX XXXX servicing department in XX/XX/XXXX that my student loan was among the batch stolen by an employee ( s ). I filed a claim with the credit reporting agencies. In XX/XX/XXXX my student loan balance should have been under {$25000.00}. My monthly payments and yearly interest payments for the past 6 years was not listed referenced. And, my Grants used to help pay towards the loan was not recognized by the lender ( s ). I have been going back and forth with XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX to date. I received several threatening notices about attaching my wages, income taxes and liens so I borrowed against my life insurance policy and retirement account in order to make monthly payments while I further investigated this loan. After contacting various consumer and legal agencies within the last 2 years, I discovered my account had been violated, contracts altered and my protected status disregarded. I ceased making payments and requested a total refund. I filed a claim with the various credit reporting agencies in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX I was able to reach a manager with XXXX XXXX XXXX who in turn informed me of attaching a Cease and Desist and returning my student loan to the original lender XXXX former name, XXXX XXXX to handle.
I have received several calls in regards to an account I co signed on for a friend that was ultimately charged off after non payment. I was told that the people calling were with a law firm but would not state where from. I did not receive names either. I was only told to get ahold of Chrysler capital and begin to make payments or legal action would be taken against me and I was assured I would go to prison, I was told I would serve " a dollar for every day '' I owed. I dug deeper and I came to find out that my account has not been sent to a collection agency. So who else other than Chrysler Capitol would be calling me saying these things? Who else has a motive? I am in XXXX and am very sick and living off social security wages and am barely making ends meet. I have received roughly XXXX or XXXX calls in this manner. It is too much too handle.
I applied for a mortgage modification and was granted it in XX/XX/XXXX. Per Ocwen Loan Servicing. No payments for XX/XX/XXXX and XX/XX/XXXX were to be paid per Ocwen. ! st modification patment due XX/XX/XXXX, 1st of 3. That payment was made XX/XX/XXXX. Ocwen is now reporting my mortgage as 30 late, hurting my credit going from 703 to now 504. Tryed to dispute this with Ocwen on XXXX/XXXX/XXXX on phone but Ocwen mortgage will not assist. This false reporting of my mortgage being 30 days late has caused my creditors to now cut my available credit with them in half. I want Ocwen Loan Servcing, my mortgage company to remove this statement from my credit report. My mortgage has never been late but when I applied and was granted this modification by Ocwen with no payments till XX/XX/XXXX, they are reporting it as I did not pay on time ... this is wrong!!!!
ACSI is sending solicitations directly to my employer ( see attached ) with predatory and misrepresented statements about a treasury offset and the need to contact the company for a rehabilitation program. I am already being collected upon through garnishment in which the company and student loan provider ( XXXX ) have garnished 15 % of my paycheck for the last 2 1/2 years. They also attempt to collect a consent in the correspondence to provide " express consent '' to contact me personally after a cease and desist has already been requested. They attempted to receive this consent by sending correspondence to my employer directly.
On XX/XX/2018 I sent RGS a letter, via certified mail, asking them to validate an alleged debt that was on my credit report. I dont recall ever having XXXX XXXX. In my request I asked them to provide the agreement with their client that authorized them to collect on alleged debt, an agreement that bears signature of the alleged debtor wherein he promises to pay the creditor, and complete payment history on this account so the amount owed could be verified as correct. RGS failed to supply me with any of the information I asked for and only sent me two statements.This is a negative remark on my credit report that I am reaping the consequences for and its not properly validated to prove that it is mine
XXXX XXXX is intentionally violation the FTC FCRA rules by intentionally reporting balance inaccuracies to the credit bureaus. I have disputed the balances and the status of the account multiple times and XXXX returns with a difference balance that they intentionally know is incorrect in order to impact my credit. The account is reporting in a charge off status, each month they report the account as a charge off, however, the balance is incorrect, the date of initial delinquency is incorrect and the account is managed/sold to XXXX XXXX, who contacts me about the balance.

Per their website the balance remaining on my account is {$14000.00} as of XX/XX/XXXX. The terms is reporting as 73 months and not 72 months per my XXXX statement. I disputed the balance in XX/XX/XXXX and they returned stating the balance is {$21000.00}. I disputed the balance again in XX/XX/XXXX, on one credit bureau report they stated " Account charged off. {$24000.00} written off. {$21000.00} past due as of XX/XX/XXXX '' to XXXX. The statement of {$24000.00} being written off is a factual inaccuracy and it is the obligation of the creditor to report factual information or delete, update or remove the account.

Per my Deficiency letter dated XX/XX/XXXX, the vehicle was sold for {$10000.00} with all of their fees the deficiency balance is {$17000.00}. Again, this was dated in XXXX which means all of the reporting after XXXX with the inaccurate balances was based off of inaccurate information from XXXX. An intentional effort to report false information and a clear example of XXXX failing to abide by the FCRA rules.

Again, I have disputed this account for years, at each attempt at disputing the balance is returned with a different amount which is in violations of the FTC FCRA 623 ( b ) ( 1 ) which states If a CRA notifies you that a consumer disputes information you provided, you must : investigate the dispute and review all relevant information provided by the CRA about the dispute ; report your findings to the CRA ; provide corrected information to every CRA that received the information if your investigation shows the information is incomplete or inaccurate ; and modify the information, delete it, or permanently block its reporting if the information turns out to be inaccurate or incomplete or cant be verified. FCRA 623 ( b ) ( 1 ).
XX/XX/2018 I submitted a letter in regards to an inquiry on my XXXX, Equifax, and XXXX  Credit Report from XXXX XXXX XXXX which I do not recall which the company has a numerous amount of inquiries on each of my Credit Files. I requested a copy of a signed contract bearing my signature which the company has not submitted to me this is harming my credit score. Which is a violation of the FCRA.
XXXX/XXXX/XXXX ( XXXX XXXX DELAWARE XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX-XXXX. they pull my report and did hard inquiry without my consent opt out before ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX ( XXXX ) XXXX they pull credit before i said yes when isuggested to cancel the report being pull ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX ( XXXX ) XXXX i never requested this hard inquiry about my credit ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX i did not grant permission to have my credit report pull or any other matter ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX i did not aproved this ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX this should not be here and they did not supposed to pull my credit or do hard inquiry ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX i never give my info and gave them permission to pull my credit file ) XXXX/XXXX/XXXX ( ALASKA XXXX XXXX XXXX XXXX XXXX XXXX XXXX AK XXXX ( XXXX ) XXXX i did not request this hard inquiry since it was a checking account created nothing related with credit ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX i never requested any about this ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX  XXXX XXXX MD XXXX ( XXXX ) XXXX i never granted permission to pull my credit file )
I have tried to get this info corrected plenty times before- XXXX XXXX XXXX is fraudulently reporting a XXXX XXXX account on my credit for {$510.00}. This account is not mine and should not be on my TransUnion report at all. I have never had any account with this company nor have I ever resided at the address they associate this account with. Please correct this info.
On Today, XX/XX/, 2019 I got an update that XXXX XXXX Debt Collection Agency had placed a collection on my credit reports. This is first and foremost a violation by this company because someone called not even a month ago and I asked would this be placed on my credit and they stated no. So, I would like that last call pulled. 

Also, a few months ago. This company took money off my credit card after an automatic payment was cancelled. They even initiated the payment days earlier than the automatic payment. This is illegal and downright wrong! I would also like these calls pulled by this company as well. 

This company is in many violations and for the credit bureaus not to fact check but only go by what these companies do, I am disheartened to find this information out. I am disappointed in the credit bureaus and XXXX.
AXCSSFN has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
I paid my bill on time using a company 's online website. They showed that i made the payment on time but then the payment was never received and they now have a 30 day late pay on my account. This company is also always misreporting my account balances to the 3 credit bureaus as being higher then what they should be.
I became aware of this collect account upon reviewing my credit report I was never notified from the company about an owed balance. I did contact the creditor by certified mail to inquire how the debt was acquired and request proof that I was indeed the responsible party for the balance in question. In response to my letter I received a billing statement from Credit Systems International with a billing statement that included two charges ; {$8.00} transfer fee and also a {$6.00} transfer fee totaling the {$14.00}. Included in the the cover letter there is a doctor 's name that I have never been a patient of, I've had the same physician since I was a child. I hope that with this complaint I will be assisted with removing this false account from my credit report.
I lost funds due the bank show that i had the funds availableand the them charging me an overdraft fee on numerous occasions over many years
My mortgage with OCWEN Loan Servicing, LLC was paid off XX/XX/XXXX. OCWEN claims a check for the escrow balance was mailed to my home address on XX/XX/XXXX. As of XX/XX/XXXX, I have not received the check. I have called the OCWEN customer service number several times, and all they tell me is the check was mailed XX/XX/XXXX. I 'm attaching a letter from OCWEN that documents that claim. I have always received monthly OCWEN mortgage statements sent to my home address, and yet my escrow balance check has not arrived after 21 calendar days. I live in the same state ( Florida ) as the OCWEN headquarters, so 21 days is more than enough time for the check to arrive through the postal system. I suspect that even though OCWEN 's financial system may indicate the check was mailed, it never was. Had the check actually been mailed, I 'm confident I would have received it. <P/>I understand CFPB has filed suit against OCWEN. Please feel free to contact me as I would be happy to relate the other problems I 've had with OCWEN.
This is more involved than just my credit score. When we started shopping for a mortgage in the summer of XXXX, we ultimately chose XXXX Mortgage, which was recommended by our realtor. Shelter initially said they could give us a XXXX XXXX at a fixed rate for 10 % down on our $ XXXX purchase. Other companies could n't offer that so we went with XXXX. When it came down to crunch time, we learned that XXXX could no longer offer us that product because our credit score was XXXX, instead of the required XXXX. We also learned that we then needed 15 % down. By that time, it was too late to change companies. So we were told that we needed to have XXXX mortgages- initially both were to be fixed rate. We sought the secondary mortgage from the Bank XXXX XXXX Georgia. At the last minute, we were told that my credit score dropped to around XXXX. Now, we certainly did n't open new lines of credit or make an large purchases as we were anticipating getting our mortgage. It seems as though a " serious delinquency '' from over 5 years ago ( which was disputed and resolved ) re-appeared on my Equifax credit report. I called Equifax and disputed this report again, but it would take XXXX days to be corrected. In the rush to finish our mortgage before we lost the house XXXX our " drop dead '' date was fast approaching ), we had to accept a second mortgage at an adjustable rate. Because of all the errors along the way, we ended up with a larger monthly payment than anticipated. We have also estimated that we will pay an additional XXXX over the 30-year lives of our loans due to these errors. In a high-pressure situation as first-time homebuyers, we were in a vulnerable position and were at the mercy of professionals who we feel wronged us.