WillisBack/dataset-financial-user-claim huggingface dataset:
My account with XXXX went to collections, and in XXXX, she settled the debt with Credence Resource Management. We have begun receiving additional calls from different collections agencies alleging that there is a remaining amount of the debt that needs to be paid, which is false. We have contacted XXXX who advised that they received no information regarding the settlement with Credence. A manager with Credence, XXXX XXXX, advised today that " we are not the only people calling regarding this issue with XXXX ''.
Starting in XXXX I sent dispute letters to the bureau in regards to each account. They responded with by sending me a credit report saying that they were verified. In XXXX I responded with another dispute letter stating that if you verified I would like a hard copy and method of verification. The bureau responded with again another credit report stating that each account was verified. I have rights and and under the FCRA, Section 611 ( a ) ( 6 ) and ( 7 ), to have the bureau provide proof of each and  every account within 15 days. If not all accounts should be deleted. The bureau has not provided any type of proof of any account on my report besides the word verified.
Hi,   XXXX   XXXX  fro m CFS2 called  my employer attempting to locate me and was rude and threatening to the person who answered the phone. When they asked for his name and number, he hatefully replied with his name and told them they could look on the caller ID to get his number. He then proceeded to tell my employer that " I would know what this is about ''. My employer came to me to ask if everything was ok and told me to handle my business. My fellow co-workers now know that I am having financial trouble and have bill   collectors after me.
The nice la  dy that answered the phone also sent me an email that reads : "  XXXX , You received a phone call from a gentleman ( not a nice person at a ll ).       XXXX   XXXX , from  CFS2, te l :  XXXX   CFS2 h elps consumers achieve financial recover This was definitely not a new business call. '' Can you please make sure this company does not harass other people at their jobs?     Thank you,  XXXX
I got a carcar card for a downpayment on a car that I got XX/XX/2015 the amount it was for was for XXXX and I never got billed for it at all I pulled up my credit report and came up there for a total of XXXX it was through synchrony bank and they sold it to a third party collector called XXXX XXXX XXXX a collation company I contacted synchrony bank and they told me they had never billed me because did n't have my apt number or phone number. I am well aware that I have to pay the amount of XXXX.
FILED A DISPUTE # XXXX. RECEIVED A REPLY FROM EXPERIAN THAT SAID VIRTUALLY NOTHING AND VERY CONFUSING.
I have 2 student loans with the U.S. Department of Education. I am currently doing the loan forgiveness program. The loan amounts total is XXXX. My loans have been transferred to many different companies causing duplicate information for the same loans on my credit report. Ive tried asking each company to remove the duplicates from my file without any luck. My credit is suffering considerably. The companies listed on my file are XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, US Department of ed/XXXX/all opened XX/XX/XXXX, US Department of ed/XXXX/XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX, Dept of education/XXXX   opened XX/XX/XXXX, Dept of education/XXXX opened XX/XX/XXXX, XXXX XXXX XXXX/XXXX opened XX/XX/XXXX, XXXX/XXXX XXXX XXXX opened XX/XX/XXXX, XXXX/XXXX XXXX   XXXX XX/XX/XXXX. Every one of these loans are for the same loan causing clutter and damage to my credit report. I reported this to XXXX and XXXX but nothing has been done. Please help me remove these student loans from my report and update my current loans with the US Department Of Education.
I received a phone call XXXX about a traffic citation that occurred in XXXX XXXX Florida XX/XX/XXXX XX/XX/XXXX. The citation # issued that date XXXX. That is exactly XXXX years, XXXX months, and XXXX days from today. I never received a notice in the mail XXXX about this debt, but yet the company placed erroneous information on my credit report. I paid all of my outstanding tickets XXXX which allowed me to have a valid FL Drivers license and has been active for more than XXXX years. XXXX XXXX never submitted to me anything in writing about the debt and have not validated that the debt actually exists. The XXXX XXXX XXXX XXXX XXXX Court does not issue any licenses without paying outstanding citations. I do not owe the XXXX XXXX XXXX XXXX Court for any citation nor have I been notified of any outstanding debts from them. All debts have been satisfied. XXXX XXXX only reason for reporting this information to the credit bureau is to discriminate against people of monority descent. We ask that you intervene and request that XXXX XXXX provide proof that there is an outstanding debt and that it actually has ownership of the debt from the original creditor. I checked the XXXX XXXX XXXX XXXX Court website today and did not find any traffic citation that matched the one reported on my credit report. See web link XXXX XXXX.
My name is XXXX XXXX myself and My Husband have been house shopping for about 6 Months. We hired a realtor to show us Homes. We finally settle on 1 that had been Foreclosed and was on the market for about 9 months. We decided to purchase that 1. We made an offer and the Bank ( PNC/XXXX/XXXX ) ACCEPTED OUR OFFER. Upon signing a contract we gave them an Initial Deposit of {$5000.00}. The realtor directed us to a Finance company the he uses for loans. Upon submitted documentation and sending in all required information we discovered we were doing a Conventional loan not an FHA. In which we thought we were doing an FHA, The lender inform us that the seller only wanted to go Conventional after weeks of getting information to her. Then I said Inform me my credit score had to be a XXXX to qualify now my score was fine with the initial contract for FHA. all i needed was a XXXX score. Then she call an inform me that she would willing to help me pay off my credit cards and bring balances down an dispute XXXX collections that i had. I did everything she ask me to do. Stated to me this will make my credit score go up. I ask her XXXX why dont we just go FHA Iam a first time buyer, she said no the seller Bank wants a Conventional loan. So I was pleased about that because Intially that is what we spoke about. Shortly after making all the inquiries on my Credit and those hard pulls bought my credit score down. So discuss moving from XXXX because she could not make it work. I spoke to realtor an inform him i was going to shop elsewhere, I Begin working with another Financial Entity and She email PNC/XXXX/XXXX -XXXX an inform them that she will be working with them on closing my loan and explain to them that she needed more time to do Title Search, Apprasiser, Survey etc. And they said we will give you more time if You give us {$5000.00} more dollars and NON-REFUNDABLE MEANING IF YOU CANT CLOSE WE GET TO KEEP YOUR {$10000.00} DOLLARS. I told them NO just send back my {$5000.00} I am not going to pay them {$10000.00} NONREFUNDABLE FOR 2 WEEKS. That is ridiculous and they want me to sign a letter of release so that they can keep my {$5000.00} These Banks are still taking advantage of the Consumer trying to take money that we work so hard for. I need your assistance and Help Please
XXXX XXXX XXXX ( MCM ) purchased a charged-off account of mine from Synchrony Financial. The account was opened in XXXX in XXXX, NM. I never received a letter regarding the debt or collections actions, and never had an opportunity to dispute the debt. 

In XXXX, XXXX assigned my case to a law firm who filed suit against me in XXXX XXXX, Missouri where I do not reside. In attempting to serve me with paperwork ( on XXXX XXXX, XXXX ), regarding the lawsuit, the service was returned with the message that I did not reside in the county. So far, I have not received any information about this suit, and the only way I know about is by searching my name ( after being denied an apartment rental partially because of this case ) in Missouri 's court records website. 

No action was taken after XXXX XXXX, XXXX to locate or contact me. In XXXX XXXX a notice was given ( supposedly to both parties, though I did not receive it ) that the case was scheduled to be dismissed because no action had been taken for three months. In response, the law firm suing me filed a change of venue request as a stalling tactic. To date I still have not received any mail or service regarding this collection activity.
Markup massive charges for {$2000.00} on window etching. They claimed I must to purchase with it for every new car. Upon checked with local dealership, They charge mostly up to {$200.00} for material and labor cost.
Window etching is an anti theft vehicle protection benefit that is sold as a theft deterrent.
On 2010 XXXX XXXX my Bankruptcy was discharged, And when I go look at my status it 's still listed on my report .I tried to contacting them thru filling out a Dispute and it kept through in me out of there site, quite a few times.
It states these, Derogatory public record or collection filed. ( Not listed ) on other reports .Also time since delinquency to recent or unknown covering all bases.amount owed on delinquent accounts should n't be any.proportion of Balances to credit limit is too high on bank revolving accounts do n't have any on file.number of inquiry impacting the score. They gave XXXX XXXX XXXX a XXXX and I have A XXXX. XXXX XXXX is very deceiving company XXXX. The Bankruptcy should be off record I have proof I am credit fit as proven by my 100 % pay Back worthyness.please review XXXX and Equifax too thanks again
To whom it may concern, I was XXXX in 2010 from car accident, I was on XXXX until a few months ago. Now I 'm on XXXX. I 'm trying to find housing for the XXXX but I am having a problem with XXXX paying bills slowly. I ended up getting a few bills in collections from them. I called and spoke with the agencyies most took there stuff off my report quickly. I am having a problem with one agency that continues to cause problems. They have report on all my credit reports some even a couple of times on the same report. I need help dealing with these folks. they are unfair and uncooperative. Name of the company is XXXX XXXX XXXX XXXX HI, XXXX
Indymac did not provide a truth in lending statement showing the {>= $1,000,000} I will pay for the {$200000.00} they refinanced. 
I have however paid {$270000.00} in principal payments, all interest due and all taxes and insurance due since 2004. I guess the other {$77000.00} paid onewest bank for the money they had to pay IndyMac federal for my loan.
I would like to report the actions of the Credit Reporting Bureaus and those of XXXX XXXX XXXX XXXX and or XXXX XXXX XXXX XXXX XXXX  ( COLLECTION ACCT # XXXX ) to this complaint forum and request an investigation for their unlawful actions. A payment in full was made to this debt at least twice at this point at XXXX XXXX XXXX XXXX and then I received notice, past the 4 year mark, that the debt was going to result in a lawsuit if not paid immediately which, according to FDCPA law, is actually a violation of of section 811. I was scared and sent payment and as a result they re-aged the debt and and re-activated the account which was due to fall off in XX/XX/XXXX but it did not because one of these institutions changed the the XX/XX/XXXX date to XXXX XXXXalong with company name, information, balance without presenting a miranda to me. This item is supposed to be off of my report and is now actually 7 years and 1 month old. The bureaus allowed the name change, date change and re-reporting of old information without right and continue allowing the collection agencies to continue to report the account as delinquent, until now. A lawsuit is in motion at the XXXX XXXX Small Claims Court in XXXX XXXX   court District and I will add all three bureaus to the small claims court documentation if I do not see a removal of this account in 30 days. Please note that I believe I have escalated this fraudulent account enough and after mail, phone and online attempts were denied I am forced to seek legal and public help.
I went to cancel service with XXXX, I was not under a contract. THey ( XXXX ) told me I would have to pay the amount I owed still on the phone. This was fine with me. About a month later ( XX/XX/2015 ) i started getting calls from XXXX, stating that I owed over {$1000.00} dollars due to early termination of my contract. I went to the store to ask them to show me the contract that i signed, but they could not show me one ( because one doesnt exist ) Now 3 years later im getting collection calls for {$1300.00} from XXXX. I reached out to XXXX repetitively to try and get this solved with no luck. I tried disputing the collection with no luck.
I thought I would start this process again as I have documentation that supports my view of this issue. I am being downgraded by Credit Agencies. I have written each and they all take the same view. If they do not receive monthly information form a real estate source they have no obligation to report anything positive or negative on a person. This discriminates against persons who have a reverse mortgage. In fact since you have to be over age XXXX to have a reverse mortgage it discriminates against XXXX.
Working with American Express to resolve an error in the payment system. Stating that the XX/XX/XXXX or XX/XX/2018 payments were not made. I have documentation showing the payments we're made on time and more than the amount requested. American Express will not speak with me or return my calls.
I have an unverified account from MRS BPO LLC. I had previously disputed this account. I have never done business with MRS BPO LLC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that MRS BPO LLC provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that MRS BPO LLC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
I was being inundated with phone calls from this company and threatened with a law suit if I did n't pay. The next thing I know someone appeared at my door and said he way a process sever and I was being sued by Credit Consulting. 
I called them immediately and made arrangements to pay them. After I paid them a total of {$1500.00} I was told I needed to make a lump sum payment of {$2000.00}. I advised them I did not have the money to pay all at once but that I could continue with our previous arrangement of {$500.00} every three weeks. I was told that I needed to hurry up and pay the lump sum or I would be taken to court. 
I told them I would call back. After that, I called my previous employer and asked why the medical bills was never paid and they told me I was not supposed to pay the bills because I had coverage but they were never submitted to my insurance for payment. 
I did try to explain to the representative from Credit Consulting in the beginning that I had insurance but was told this was the balanced I owed from what my insurance already paid, so when they threatened me with a law suit I agreed to pay them because I was scared and they had already placed the accounts on my credit. Now I have paid them {$1500.00} of money that I had to borrow and I do n't even owe them and they have damaged my credit.
I requested the information I needed for an dispute. Representative said she would send information but didnt and now I have a letter stating it is going on my credit.
Unsure of date, months ago they called and asked for me by name. I verified and they asked for my birthdate. I asked what it was in reference to and they said they needed my date of birth to continue. I told them I would not provide that and to send me a letter in the mail. They said they would send me mail but they have not done so since that phone call months ago.     They claim I owe a debt to a local hospital but I have no recollection of said debt. They call from multiple numbers in different states. Last call was  XXXX   XXXX  a t    XXXX   XXXX  , central time, from  XXXX .     Their last known address is Commonwealth Financial Systems , Inc .    XXXX   XXXX   XXXX .    XXXX   XXXX , PA  XXXX
I paid off my vehicle in XX/XX/2009 and I'm now finding out that company never released the lien on the title. The company is now out of business. Please help, any assistance will be greatly appreciated. Thank you.
XX/XX/XXXX I received an alert from my credit report stating that a collection was placed on my credit file. I called the hospital that I went to XXXX XXXX Hospital and asked about my bill because I have never received it. I totally forgot about it, it had been so long. They informed me that it was never sent out and that they were going to send it out today ( X/X/17 ) and that there was a financial assistance form attached to it. They were great. I was not aware that I had several bills coming from the hospital, I never received any other bills, no phone calls nor any messages. There is a possibility that it could have gone to a neighbors house with the exact same address as mine but their address is Pass and mine is Court, which happens all the time, they always send it back to the post office. Now to the complaint, I called XXXX ( original ) and Transworld Systems , Inc. ( collections ) to inform them that I did not receive a bill because if I did and believed it belonged to me I would have made some type of payment arrangements. I value my credit so there was no way that I would have ignored it. I have requested a breakdown of what the bill ( an itemized bill ) to see what the charges were for. I was informed by XXXX that they could not provide me with an itemized bill nor could they call me and leave a message concerning this debt. I was very upset about this and talked loudly but not fowl but after being lied to and so inconveniently hung up on. My last calls I did let them have a piece of my mind and asked them to make sure that they were still recording. My issue is, there were no attempts made to contact me other than them claiming to have sent me letters ... no calls? no messages? Heck 1 voicemail message would have gotten my attention. I have contacted an attorney to take them to small claims court if by all means the debt is mine I will pay it but they should have never placed this on my credit report. I never knew of this bill. XXXX XXXX Hospital is sending me a financial assistant letter along with a copy of the bill that I never received and admitted that they never sent one out. But XXXX  whom I never heard of is the one that hired Transworld Systems, Inc. Neither one has contacted me and both claimed to have sent letters. Transworld Systems , Inc. claimed that they did not have my phone number and had my husbands number but stated that when they called me " I told them not to call me '' so if you did n't have my number to leave a message how did I tell you not to call me???? they have never contacted me not once so I knew nothing of this bill.
XXXX XXXX XXXX / Navient I would like the following amounts Be removed from all 3 credit agencies immediately. I am in the process of buying a home and this is stopping me from obtaining credit. The original loan dates are XXXX XXXX 2011 in the amount of XXXX / XXXX XXXX 2011 in the amount of XXXX in which according to the SOL in Ohio is 6 years. I would like for this to be removed from my credit reports as soon as possible.
In XX/XX/XXXX, my online Navient account advised that I didn't need to make a payment till XX/XX/XXXX. No reason was given. To be clear, I didn't ask to delay payments. In fact, I have previously exhausted my ability to do so. When a resumed payments I noticed my " estimated payoff date '' changed by THREE YEARS. It went from sometime in XX/XX/XXXX to now it's XX/XX/XXXX. I believe it was those two " don't have to pay '' months. 

My loan started in XX/XX/XXXX. How in the XXXX can it take 28 YEARS to pay off? Stuff like this is the answer. Navient has failed as a loan servicer provider, as their mission is to keep people paying as long as possible so to collect as much fees as possible. Horrible communication and shady actions, such as what I described above are their hallmark.
Repeated harassment in the form of MULTIPLE phone calls/emails daily. Located in a Hurricane Michael federally declared disaster zone.
Bank of America 's mortgage loan officer, XXXX XXXX, did not disclose a {$10000.00} fee when she compared XXXX products from which to choose ( FHA loan v. XXXX loan -- her e-mail to me is attached, dated XXXX XXXX, 2013 ) ; the e-mail details costs, fees, etc. but it does not show the nearly {$11000.00} fee mentioned above. Additionally, she did NOT provide a Good Faith Estimate when we identified the house we were to purchase -- XXXX XXXX had taken all income, assets, liabilities information for a home loan ( she also provided a pre-approval letter on XXXX XXXX, 2013 ). Please note that we entered into contract on XXXX XXXX, 2013 and we received the Good Faith Estimate ( attached ) from the Colorado processing center until XXXX XXXX, 2013 ( mailed on XXXX XXXX, 2013 ) -- the first time the nearly {$11000.00} fee was disclosed to us. We had a 14-day financing contingency that was going to expire on XXXX XXXX, 2013 ; we received the Good Faith Estimate after business hours on XXXX XXXX, 2013 so the first business hour opportunity to reach XXXX XXXX was on Monday, XXXX XXXX, which was 5 days before the financing contingency was due to expire. The date of the GFE was clearly beyond any RESPA requirement of 5 days to have been provided to us. Since we could not withdraw the FHA loan without losing the home, we had to accept this loan that was unfavorable compared to the doctor loan that did NOT have the {$11000.00} up-front fee and the monthly PMI of nearly {$800.00} Bank of America misrepresented the loan and did not follow the law, which cost us an additional {$25000.00} until we refinanced the loan ( we now have a 30-year, fixed-rate loan with Bank of America ). The CEO of Bank of America is involved and the person to contact at his office who is fully aware of this matter and its details is XXXX XXXX XXXX at the following number : ( XXXX ) XXXX. Thank you.
Creditor Contact DetailsXXXX XXXX, WIXXXX ( XXXX ) XXXX purchased an item at XXXX, My credit limit is {$100.00}, I told the cashier that, I told her I would pay the remaining balance that exceeding {$100.00} in cash. I did that. When I got the bill it was {$110.00}, which I paid in full before the due date. Now I find it lowered my credit score to no fault of my own. 

Please fix the error, as I am looking at purchasing a home soon. 

thank you. 

XXXX XXXX XXXXPayment HistoryXX/XX/XXXX OK OK OK OK OKXX/XX/XXXX OK OK OK OK OK OK OK OK OK OK OK OKXX/XX/XXXX OK OK OK OK OK OK OK OK OK OK OK OKXX/XX/XXXX OK OK OK OK OK OK OK OK OK OK OK OK2011 OK OK OK OK OK OK OK
I have a account with XXXX XXXX/ Santander usa , account number XXXX balance is {$9500.00} I'm Requesting this account to be deleted from the credit report based on the repo was not done according to California law. I already contacted a attorney and he said I have a case. so please delete this account from XXXX and XXXX. XXXX  already deleted this account