WillisBack/dataset-financial-user-claim huggingface dataset:
I have been receiving countless phone calls from Portfolio Recovery about a debt collection for years. They call from different numbers every time, from all over the country. The most recent have been showing up on my caller ID as being from XXXX, XXXX, and XXXX. I have reached out to them multiple times by mail to attempt to verify the debt but they have never responded. The Collections account on my credit report is showing the original creditor as XXXX XXXX, but there is no delinquent account with XXXX XXXX on any of my credit reports to verify this account. I have never received any written communication in the mail from them to submit as a part of this complaint, they have only ever contacted me by phone, and they have never addressed my request for debt validation. When they call they tell me they are attempted to collect a debt and are asking for payment. I attempted to dispute this account with credit bureaus only for it to show " Dispute resolved ; customer disagrees '' and " Consumer disputes after resolution. '' I don't have any documentation from the original account they are alleging that I owe for. In addition to the countless phone calls, I get calls late at night ( past XXXX ), on weekends, even on Sundays.
My husband and I did a modification on our loan. I signed all the papers. Now since my husband passed away XXXX/XXXX/2014 a Veteran ( XXXX XXXX, they refuse to give me any information stating I am not on this loan and have NO financial obligation to them. This is my home for over 38 years. I would like to refinance this loan to lower my monthly payments to be able to handle my monthly bills, etc. I have had an attorney look up all the public records and I am on the recorded properties. The attorneys are baffled themselves.
The 2nd position loan company ( Specialized Loan Servicing ) ( SLS ) doesn't seem to want to negotiate with me on my property. I did a loan modification on the First position loan and immediately the 2nd position asked me to make sure that I don't let my loan go into default. ( see XX/XX/2018 letter from SLS ). Because the equity position is not there I was hoping to either do a loan modification on payments with my 2nd position loan, or have them write it off and send me a XXXX, or if it is a small amount they would want that maybe I could pay it off and settle with them. I have tried with numerous communication attempts including filling out the paperwork for hardship cases. Because of my medical condition with XXXX  XXXX XXXX I was hoping to work something out on the property so I could continue to live in it. It took me much longer than I anticipated to receive my social security XXXX but I would like to remain in the property. I have sent the paperwork and will attach along with the copies of them receiving the registered mail. I have enough stress with my XXXX to be treated this way from the mortgage company. I want something in " Writing '' from them, but I have given them my email, phone number ( sometimes difficult in the mountains of AZ ), and of course they have my mailing address. Because I travel from my home to XXXX AZ for medical treatment I am usually unavailable to get my mail for sometimes from 4-6 days. Please have them respond to me so I can work something out.
Dear XXXX Equifax XXXX XXXX I am sending this dispute for the second time but this time threw cfpb to make sure you received it. 
I have no knowledge or records of this XXXX  emergency service reported service of XXXX XXXX. 
Please advise me as to the name and address of the medical provider, the date and type of service, and to whom the service was provided, as any account I might have had would be obsolete. 
If you can obtain this information, I also would need the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. 

If you can not obtain The information that you received from the original creditor at the time it was allowed to be reported on my credit report within ( 7 days ) of receiving this complaint please delete this account from my credit report. The ( 30 ) day time frame has already been given with no response from XXXX and credit reporting agencies stating verified with no proper proof of debt. Please do n't send me anything with names and addresses as verification will not be proper verification, I need validation of services, dates, times, signatures, identifications, or something to help me understand why this is being reported as my debt I have no knowledge of cause I never received a bill from any company with a bill statement from a service that was provided. 

This is reporting to all three of the credit reporting agencies. Please mail me an updated report when this dispute is completed. 

Very truly yours, XXXX XXXX
Company has stated to myself and CFPB that they would remove negative info from my credit file according to Case number : XXXX negative info still remains on my XXXX report for {$420.00} and {$140.00}. I ask that these are both removed from my XXXX report as they said they would do. These collections are preventing my husband and myself from obtaining a good report and keeping us from being able to purchase a home. Thank you
I made this personal loan with XXXX in GA, back in XXXX, this was sold to a collection company named CACH , LLC. The last time I made payments to this account was in XXXX, then I lost my job and tried to pay it off i. XXXX, but the company didn't want to settle for what i had then which was {$5000.00}, later on in XXXX i offered them {$6000.00} and yet again they didn't accept it. They now are reporting this account with a balance of over {$8000.00} and with an open date as of XX/XX/XXXX! I was unemployed from XXXX until the XXXX when I moved out from GA. They're violating the fair credit reporting act, as well as they're ruining my credit to say the least. I have never received an official letter from them with a validation of this debt or any other document with my signature on it, is not fair they can manipulate the system the way they do it to get away with their unfair practices to ruin people 's lives and just for what? To make a few bucks! I demand for them to stop reporting this account, and to fix my credit, to close it and erase it from my history.
I have notified all 3 credit reporting bureaus of my formal dispute of the same account appearing on my reports 10 different times totaling {$570000.00}. These accounts do not belong to me. I notified XXXX XXXX   3 different time through signature required service receipts separately attached. Disputes were sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX all requesting for required verification and supporting documentation under the rule and guidelines of both the FDCPA and the FCRA. All 3 times XXXX XXXX violated Federal law. Further none of the information meets the required standard of Section 609 ( a ) ( 1 ) : Information to be disclosed. Advisory opinion to XXXX XXXX   stating, " In sum, it is our view that a CRA that always scrambles or truncates account ( or social security ) numbers does not technically comply with Section 609 because it does not provide " accurate '' ( and perhaps not " clear '' ) disclosure of " all information '' in the file ''.
XX/XX/XXXX Notice from DC for tax bill not paid for first half. Contacted XXXX XXXX XXXX, my loan servicing company. They asked to fax the bill with my loan number, which I did on XX/XX/XXXX. 

XX/XX/XXXX Notice from DC Notice of Delinquency and must pay by XX/XX/XXXX or my house would go to auction. 

XX/XX/XXXX contacted customer service, submitted documentation and was told someone would call back within 24 hours. No call back. 

XX/XX/XXXX called back and finally got escalated to a supervisor, XXXX XXXX. She again loaded the documents and " escalated the matter ''. She said it would be worked in 3-5 days. 

XX/XX/XXXX I spoke with XXXX XXXX again, still not resolved. 

XXXX XXXX XXXX has now missed three tax payments, this is clearly a violation of their responsibilities as my loan servicing agent. They are the ones that insist on the escrow but are putting my home at risk. What if I was out of town and didn't see this notice, I could lose my home. 

I must have action by XX/XX/XXXX to avoid my home from going to auction. Their failure to pay {$2800.00} in fines. I can pay this but I will then have to sue them to get it back. This is plain incompetence that has caused me tremendous stress and time.
On XX/XX/XXXX was statement closing date Balance was XXXX US. At the same statement appears Credits, Fees & Adjustments ( net ) the amount of XXXXus, ending up total new balance of the amount of XXXX. 
I was paying the last two years the payments appears in my statement. I asked numerous of times from Care Credit a written explanation regarding the interest amount but no written explanation given. 

Finally I contact the Care Credit / Synchrony bank on Thursday XX/XX/XXXX at XXXXXXXX. A  representative confirmed the validity of the amount of the medical care card and stated because I failed to pay out the full amount a XXXXUS of two years DIFERRED INTEREST was charge to my account. I explain to her the application was offered from my doctor 's office with free of interest. 

I did receive an email from Care Credit on XX/XX/XXXX increasing my previous balance of XXXX to XXXX, XXXX US more. 

I ask the the representative to help me set monthly payments of XXXXUS. 

She stated '' there is no payment plan available for you now ''. 

I had no other choice but to report the unfair and unprofessional practices of Care Credit card to the Consumer Financial Protection Bureau. 

NOTE : The Care Credit card can be used only for medical purposes. Persons like me with XXXX  XXXX isn't fair treated like that. 
NOTE : I notify the representative I will hire an attorney provide him all the documentation I have bring my case and situation in a Court of Law because the DIFERRED INTEREST CHARGES are OUTRAGEOUS.
I have sent Experian XXXX seperate letters asking them to verify the accuracy or remove the unverified accounts listed on my credit report. 
Experians XXXX response was that it was a SUSPECIOUS REQUEST and not sent by myself, even though I enclosed a copy of my drivers license and social security card. 
I have not recieved a response to my XXXX letter mailed on XXXX XXXX, 2015, and recieved on XXXX XXXX, 2015 as of yet, Today is XXXX XXXX, 2015 and the 30 days allowed has passed with no response. 
Enclosed you will find copies of both letters sent by CERTIFIED MAIL. 
Also enclosed is Experians response to my XXXX letter. All of which is in clear violation of the FCRA and Federal Law.
The company has 2 files they are reporting to their clients. One report with no changes and one with some changes. 
I'm sending the incorrect balances showing on my reports as attachments. In results of the errors is showing incorrect fico scores to all that views my report!
I am filing a complaint against TD Bank. I opened XXXX new accounts with the help of customer service. The accounts are as follows XXXX and XXXX. I am a regular customer and I deposit cash to my accounts. I have deposited CASH in worth XXXX of dollars in the past. TD Bank did nothing to protect my cash investments. I was treated in an unprofessional manner by lower level people from customer service and from the XXXX XXXX XXXX XXXX, NY XXXX location. One representative stated that they can pick who they do business with at the lower level. She stated it is her right to discriminate against people as she sees fit.
Prospect mortgage has had my application since XX/XX/2016 for an FHA XXXX loan only to have an FHA loan process according to the broker.. I have be in contract with the sellers with a short sale home for the same amount of time. I have received a number of contradictory estimates ... the house was initially XXXX and now dropped to XXXX. Closing cost Has been exaggerated and unreasonable and well as contact with the brokers. No phone calls seems to be accepted only emails. As there are many. They are a number of contradictory statements. Please help short sale expires XX/XX/2016. There is so much more to state there were false documents, Appraisals, and a number of other unethical practices.
We are currently in the process of selling our home and have tried to receive a payoff as of the date that the wire will be received by the mortgage holder. " Mr. Cooper '' owned by Nationstar Mortgage refuses to send us a payoff as of that date. Our home sells on XX/XX/XXXX and they sent a payoff through XX/XX/XXXX. ( This is a conventional loan, not a government loan. ) I called again to request an accurate payoff, through XX/XX/XXXX and they sent a payoff through XX/XX/XXXX. I was told that they would refund the " extra '' interest with my escrow account after 30 days of receiving the payoff. How is this mortgage company allowed to hold over {$1300.00} of my money for 30+ days. If I didn't pay them for 30 days they would be all over me for my payment. The note that I signed does not give them the right to mandate a larger payoff then what is owed to them, nor does it give them the right to hold my escrow monies for 30+ days after receiving the payoff.
On XXXX XXXX, XXXX, I a consumer received a Dispute from Paypal on Transaction # XXXX. Dispute # XXXX. This dispute was from a person who attended a online seminar in XXXX XXXX, XXXX and paid the required cost to receive the XXXX XXXX. The customers dispute is unintelligible but complains to Paypal that she was not happy about promises, suggestions, illusions she made regarding how the event was carried on. Nonetheless the person received exactly what was offered which was a online class. Paypal has engaged in debt collection activities by immediately placing on hold and seizing the personal assets of the consumer based on deceptive acts of its customer attempting to avoid paying for its services received and unable to be returned back. Paypal often creates situations whereby customers are often scammed, schemed by persons who know they can obtain services and goods, file a meaningless Dispute supported by no facts, not even a plausible foundation for the complaint. Since Paypal often does no reasonable investigation, the consumer loses proceeds especially services such as XXXX XXXX to which it can not get back. Paypal therefore performs unauthorized electronic funds transfers of assets without legal, lawful authorization to act as a judicial court. Paypal was sued by the CFPB in XXXX for similar acts and agreed by Consent Order to refrain from such illegal acts.
I have a collection posted in my credit report Trans Union from XXXX account # XXXX for the amount of {$650.00}, I contact them and ask for copy of original documents, I dont have knowledge that this account belongs to me. I ask several times to TransUnion and XXXX Company to investigate this account but I only receive for answer that this account belongs to me.. How I know is mine, the company never provide a proof, any receipt or document sign for me. I Request of Production but they failed to send me those documents.
I have been charged with two charge offs by Chase Bank Credit cards for cards that were corporate cards. I attempted to work out terms with Chase but they would not discuss any arrangements when the cards were first reported as in default in XX/XX/XXXX. In XX/XX/XXXX Chase issued XXXX tax forms for the amounts of the XXXX cards and charged them off against my credit report. I paid the tax bill and was told that the charge off would not remain on my credit report after XX/XX/XXXX, but it continues to be reported even to this day a year after the no notice XXXX, and 8 years since the cards were reported in default.
I was billed by XXXX XXXX XXXX in the amount of {$380.00} for a hospital visit that I took to XXXX XXXX Hospital back in XX/XX/XXXX. I settled debt paid them the {$380.00} directly in XX/XX/XXXX and it was then removed from collections and my credit report. So today out of nowhere, I received a letter directly at my door ( letters are usually delivered to my mailbox ) from Commonwealth Financial Systems pertaining to the {$380.00} debt that basically said that they picked it up and would give me a discounted rate of {$280.00}. I then called them and forwarded them confirmation email from XXXX when i originally paid the debt and original copy of the bill that included the account number ( which Ill make sure to attach ) and the lady sounded noncommittal in terms of closing that account. She tried to get me to call XXXX and explain the situation to them and I refused to because that situation was already taken care of and I told her that if they needed any confirmation, they could contact them on their own. This definitely rubbed me the wrong way because I settled this debt two and a half years ago and theres no reason why I should be receiving any letters from a third party pertaining to it. I then XXXX the company and saw a ton of bad reviews that basically say the same things about this same exact company.
Since XXXX XXXX, 2016 when my credit score was XXXX, it has dropped to XXXX as of XXXX XXXX, 2016. Equifax has taken deleted information from my credit report and re-added it. They have also taken accounts such as XXXX XXXX and duplicated the account. Equifax is looking at other credit reports and adding the information to my report. they have also added a XXXX account more than 10 years old and re-added to my account after it was off more than 3 years. They have added accounts I have disputed using the FTC Fraud statement report and re-added. I have XXXX XXXX accounts that have been deleted twice now back on my report after I submitted the XXXX for those accounts. 
Equifax has caused me hardship due to this and I have been unable to work or find housing because of their lack of reporting correct information and casing me to dispute this information each week. 
I will be contacting the Attorney General of Texas and filing a lawsuit due to these errors on their behalf. 
Please review my XXXX XXXX, 2016 report vs XXXX XXXX, 2016 and look at the clear difference. XXXX card is fraud and is more than 7 years old. The XXXX is more than 10 years old. XXXX XXXX XXXX XXXX was also re-added and is fraud. 
Equifax needs to explain how did the obtain this information, when was it added and why was it added? 

Why do I have to continue to fight with them? I have attached all the disputes and which ones was deleted by Equifax. I have attached the company and person who used my XXXX XXXX account as fraud.
Going through the website, I chose to lock my credit report ... which was the only choice. I then ended up signing up for a subscription, $ XXXX month, to monitor my credit and lock/ unlock. At the time of signing up and paying, there was never any indication that this was a subscription, and something in addition to a simple credit lock. I called them back and they would not refund the initial {$20.00}, but they did cancel the service. Also, I was able to put a " freeze '' on my credit later without paying their usual {$10.00} fee. 

The main issue is with their initial page, and not making a distinction between the " lock '' ( paid and $ XXXX month ) and the " freeze '' ( paid, XXXX time, {$10.00} ). It pulls you in to a subscription service and does not explain this from the onset.
Debt was paid in full yet it still remains on my credit reports after we agreed to a " Pay for delete ''. 

I paid the full balance owed {$370.00} via personal check every week. 

UNITED CONSUMERS INC XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Re : Account Number XXXX Original Creditor Name XXXX XXXX XXXX XXXX XXXX
Equifax has an account on my credit report that is old and is no longer supposed to be reflected on my credit report. The last time the accont was reported was XXXX/XXXX/2007. This is 8 years. The account is negatively impacting my credit score and Equifax does not care.
This complaint is in reference to Global Resolution Group based in XXXX NY. I received a call on my work phone at XXXX, cell phone at XXXX, they called my ex-husband at XXXX, and finally called my husband at XXXX all on XXXX XXXX 2017.  When they spoke with my husband, they told him they were trying to reach me in reference to a claim against me. They wanted him to verify my date of birth and my ssn which he refused to do over the phone and told them they would need to send something to us in writing via mail. They told my husband they were going to flag this as a forced claim and send it on up. I looked them up online and could find very little information about them or their company aside from their website. There are very few reviews about this company. I also looked them up on the Department of Professional Occupational Regulation in New York and could not find them listed as a licensed business in New York. Internet loans are not legal in Virginia and there have been several class action law suits filed in the last few weeks against internet loan and payday loan lenders. The person who called stated ( on my voicemail ) he was doing a pre-legal review of my claim. This is the first time I have even been contacted by this " company '' and feel as though they were threatening to take legal action against me. I also tried to find the location of the company on XXXX maps and the address they have listed shows up as a tree on the satellite imagery. Interestingly this group is located on the same block that internet lenders and payday lenders have listed as entities loans have been " sold to '' as well, they are all within a one mile radius of each other.
I have requested validity on a Chapter XXXX Bankruptcy on a couple occasions as the date of discharge is incorrect as well as the filing information. I have requested in both writing and email for this to either be updated or removed. I have tried to no avail, therefore, I am reaching out to you in hopes this will be either updated or deleted. 

The response I get from the CRA 's is that this info was validated through another system. 


Thanks in advance for your help! 
XXXX XXXX XXXX, TX XXXX XXXX XXXX