WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX is collecting 4 debts for XXXX XXXX Emergency Room, listen before you guys are making up your bills, you need to make sure that it's real. Or I'll take legal action for destroying my reputation. I went to see a doctor at XXXX XXXX not in the emergency room, I had an appointment. I had my insurance, and was covered. And I went there only once in my life. I never seen those 4 collections, if we'll have to take care of that in court. Because you guys are all over my report for false debts. Now if you don't go ahead removing these false reports from my credit reports. I'll file against XXXX XXXX XXXX in court. That's a totally destruction you guys are doing to me, it hurts my credits reporting debts that even you guys have no ideas where the hospital got them { { { { { Opened : XX/XX/XXXX ( 3 yrs, 7 mos ) Amount : {$710.00} Account status : Open Original Creditor Name : XXXX XXXX XXXX XXXX PA } } } } ; { { { { Opened : XX/XX/XXXX ( 2 yrs, 6 mos ) Account status : Open Amount : {$310.00} Original Creditor Name : XXXX XXXX XXXX XXXX PA } } } } ; { { { { Opened : XX/XX/XXXX ( 4 yrs, 3 mos ) Amount : {$300.00} Account status : Open Original Creditor Name : XXXX XXXX XXXX XXXX PA } } } } } Opened : XX/XX/XXXX ( 4 yrs ) Account status : Open Amount : {$38.00} Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX
NationStar Mortgage has approved a mortgage modification, I am scheduled to sign the paperwork tomorrow XXXX/XXXX/XXXX, at XXXX. However, Nationstar has renigged on their vebal agreement to remove my ex-husbands name from the modification docs. The facts are, the joint property was signed over to me via quit claim deed in lieu of alimony, as part of our divorce settlement XXXX/XXXX/XXXX. 
I filed Chapter XXXX Bankruptcy, as the property was scheduled to go into foreclosure, prior to the dissolution of marriage. I was instructed by my Attorney to file Chapter XXXX Bankruptcy in order to stop the foreclosure, obtain a mortgage modification under the MMM program ( I requested the HARP program and was told they were the same ). In negotiating with Nationstar there was verbal agreement from Nationstar that they would process the modification in my name only. Now that I have jumped through all the hoops, the modification has been granted through the MMM program and Nationstar has remitted docs with my ex-husband 's name listed as primary, and are requesting that I sign the docs under my name/signature line, while leaving his name/signature line blank without his signature. It reeks of fraud and there is nothing to protect my interest in this matter. Even though he will never sign and is not a participant in this transaction, they would like to move forward with the 40 year modification with his name above a blank signature line as XXXX and my name and signature as XXXX.
A company identitying themselves as " portfolio recovery associates '' has repeatedly contacted my mother asking her how to get in contact with me. She lives in another state and has a different last name, they have contacted her 23 times in one week and made threats of legal action against her. I made contact with this company at the number XXXX XXXX XXXX on the morning of XX/XX/19 and identified myself and requested they stop contacting family members and was told " we can call anyone we want ''.
XX/XX/XXXX To whom it may concern : I need assistance from your agency. Recently I applied for, and was denied a loan, due to the fact that a collection company by the name of XXXX XXXX, has placed a falsified, fraudulent collection debt on my credit files. 

This XXXX XXXX XXXX, has placed a falsified collection debt with a status date of XX/XX/XXXX on my credit files, as though I have had a recent outstanding balance owed to XXXX in the amount of {$500.00}, and none of this information is true. 

In XX/XX/XXXX, at the end of my contract with XXXX, I paid my last bill in full, and I have had nothing to do with that company in over 4 years. 

Back in XX/XX/XXXX, my sister and I were on a XXXX cell phone plan together, and during the time that we had that plan, everything that could go wrong for us with XXXX, and this plan did. 

We purchased telephones from them, and the phones were just garbage, constant issues, we were constantly trying to get assistance from their customer service, either by telephone, or we had to constantly go to one of their stores. 

Finally in XX/XX/XXXX at the end of our contract, we both paid our bills in full, and we transferred to another service provider. 

Supervisors XXXX XXXX, and XXXX XXXX from XXXX can verify what I have stated, my sister and I had dealings with them both at the ending of our contract in XX/XX/XXXX. 

This XXXX XXXX, has never contacted me regarding this fraudulent collection account prior to them placing this fraudulent debt on my credit files. 

Just a few months ago, I had to get my attorney involved, because XXXX had, had another collection agency to place this same fraudulent debt onto my credit files, and my attorney had contacted the other collection agency to remove the fraudulent collection from my credit files, or be sued. 

This XXXX XXXX is tarnishing, and ruining my credit rating by placing this fraudulent collection debt onto my credit files, and I want this fraudulent debt removed from my credit files immediately, and I want hard copy proof on their letterhead that this has been done. 

I would also like proof that they are licensed to collect in my state, as well as I would like them to provide their license numbers and Registered Agent documentation. 

I want XXXX XXXX, to cease and desist, I do not owe this fraudulent collection debt, or I will seek legal action against them. 

I want XXXX XXXX to reply directly back to the Consumer Financial Protection Bureau, and the Consumer Financial Bureau can contact me. 
This foolishness has to stop, and I want the Consumer Financial Bureau involved every step of the way.
All three of the major credit reporting agencies ( XXXX XXXX, XXXX and Experian ) are not up to date all the time on or reporting bogus information on me of which creditors look at this information and take it as being totally correct.

It also doesn't make sense that when one credit reporting agency fico score on me increases the others go down and vice versa.

When I apply for credit such as a car loan the creditor looks at several lending institutions with the best interest rates for my loan which gives me a " ding '' each time an inquiry is made and adds to my Hard Inquiries which in turn lowers my score ( I'm just trying to get the best interest rate ).

This also doesn't make any sense, for example, my fico score reads XXXX  when my Positive Negative Credit Card Use is : 5 % Credit Age : 3 Years ( although I have 20+ years ) Payment History is : 100 % Hard Inquiries : 10 ( lowers score just for checking ) Derogatory Remarks are : 0 Total Accounts are : 21 WHAT IS UP WITH ALL OF THIS BAD REPORTING?
Early XX/XX/XXXX I visited a XXXX XXXX and was approved for a credit card. I waited for the card to arrive, but it never did. I called to check on it using the account number given to me during my initial purchase, but the system didn't recognize the number, so I called and spoke to a customer rep. They told me my card had been cancelled because " a credit reporting agency '' -did n't tell me which- had reported I had filed a fraud report on it, which I never did. I started having problems with my credit when in XX/XX/XXXX someone took out a card using my identity in XXXX. This other card was with XXXX XXXX XXXX. I also put my XXXX   report on lock down, so the only way I can apply for credit is personally. I explained this to XXXX XXXX ( XXXX credit card bank ), and told them I hadn't filed any fraud report on this particular card. They said there was nothing I could do. Asked if I accepted responsibility for the charges on the account, I answered " of course '' and that I wanted my card. They said they would issue a new card, but ONLY for making payments. I couldn't purchase anything with it. I asked how I could sort it out, because I didn't want anything negative on my credit reports. They answered it wasn't their problem, they wee following the policy after receiving a fraud alert on the card from the credit agency. Now I receive a letter stating that they are denying MY Fraud claim, because I purchased items with the card. I need to make very and absolutely clear, I did not file any fraud claim on this card and anything related with this card be expunged from my credit reports. If any credit agency has a fraud claim against this card from my part, I demand they come forward with it. I also demand Synchrony to show the claim they used to deny a claim I NEVER MADE. I want everything related to this XXXX card erased from all credit reports!!
I have purchased a vehicle in  XXXX  o  f 2015 for the amount of {$24000.00}. After i got a loan assigned, the amount went up to almost {$28000.00}. since then i have tried to make a several attempts to resolve this problem with a loan company " Santander Consumer USA '' and i either get transferred to another line or they are hanging up on me. I can not meet someone in person to talk because it is only over the phone process. also i have asked to lower the amount of monthly payments and was denied. so far S.C.U. is not lowering the amount i owe. I have paid around {$15000.00} to them and they have just lowered it to approximately {$1000.00}. there is absolutely no communication with them. i have filed a claim against S.C.U the to BBB.org and the have sent me a new contract with an amount of {$27000.00} for 72 months. which basically is a loan from the beginning.
In the beginning of the year i had no jobs for couple of months, and i have asked the for a couple month lower payment and was also denied.
I requested a XXXX XXXX XXXX XXXX Credit Card and was denied twice. First based on report from XXXX XXXX ; reason " Insufficient Credit History ''. Resubmitted and received report from Experian ; Reason " Unable to Verify Identifying Information ''. Credit score XXXX out of XXXX. XXXX See attachments )
Money orders were stolen from our office in XX/XX/XXXX. I contacted Western Union customer care and was directed to file an online Payee Affidavit for each stolen money order and submit it through the mail which I did. After calling Western Union several times I have yet to receive an answer as of XX/XX/XXXX as to the status of my stolen money orders totaling more than {$10000.00}.
It is my genuine opinion of Nationstar d/b/a Mr Cooper ( " Mr. Cooper '' ) have given me, as a retired veteran a furious anger for their cooperation. Since 2010 I have been trying to refinance or modify my interest only loan for a permanent and fixed loan. I have gotten nothing but denial letters. However, you keep taking my financial information over and over. As a retired veteran never have I experienced such disregarded for the sacrifices I have put my life on the line for. What an incredible experience of disappointment, today my mortgage note is over 5,000 with still denial to modify.
i have spoken to XXXX XXXX XXXX, several times and also Experian, the credit reporting agency who is reporting this inaccurate information on my credit reports. i have sent the XXXX XXXX. XXXX letter for which they have approve of removing this inaccuracy but experian is not cooperating. ( hence attached ) i need help to prove to them the delinquency on the XXXX XXXX XXXX XXXX, ( XXXX XXXX ) is incorrect and that needs to be update to Experian. i would greatly appreciate your prompt attention in this matter. thank you
I was never served for a lawsuit from this law firm. This judgment is a complete illegal attempt to collect a debt and my right to defend it were avoided.
I opened a Wells Fargo checking account in 2012 and the account has no proof that it exist but I have paperwork saying something different
Dear sir or XXXX, I 'm weighting this in regards to my capital one credit card I 'm XXXX or 2016 I become ill under the care of a Dictor and XXXX by the Doctior I was having some serious health issues that I 'm only know barely recovering from. Buy the time it was done I apparently missed two payment and they say a third one but that information is in correct the statement come out on the XXXX and I paid it on XXXX XXXX so a complete thirty days did not pass. 
i did notify my credit card company of my desabilty and how it was keeping me from working..they stated no problems XXXX XXXX we have a program to protect you while your XXXX is n't well, i said " great thank you ". So much Starting in late XXXX when I contacted them. The following month.i did n't receive a bill in the mail, as well as XXXX and XXXX. I had figured it was all under the program the customer service rep had enrolled me in I thought at the time he had said everything will be on hold tell you are better and at that time call us you can make a Payment. Was was very relieved to her this.i called on XXXX first and made a payment just as I had promised. When I made the payment. I was Informed that thag was n't the case and I had been charged for all the months with late fees. Explaining my situation heavily medicated at the time.and what my account was on hold per the gentleman I faked to, stared no it just does n't build intrest and lower your Paynent. I was cocked!! the lady explained I spoke to a manager they returned all the late fee. Again I was thrilled. I descovered there is a 60 day late on my credit report and maybe a 90 I told them all this they reven so they seen there fault and miscommunication of felt do to me being sick and desabled in and out of the hospital that they would remove the late payments but not the credit reporting ones. This is unfair I did what I was told they say they mailed bills now but I never recieved any. Stating you knew you had a bill in your mind.i I had to laugh honestly
As I am sure you are aware, the practice of Wells Fargo banks opening up accounts without authorization has been going on for a lot longer than the XX/XX/XXXX to XX/XX/XXXX time frame cited in the recent fines. When my wife and I opened a checking account in XX/XX/XXXX in XXXX, Texas with Wells Fargo, we were sent XXXX credit cards that turned out to be actual accounts instead of just pre-approved. When we asked about the accounts that we did not want, we were told that we had to have the credit card accounts because we had overdraft protection, and we were also told that we could not substitute our other credit card account in place of the unwanted ones. We cancelled the unauthorized accounts and our checking account remained in place, which caused us to think that the " requirement '' to have the credit card account was made up. We just had no idea this was a systemic problem as opposed to one overly aggressive employee.
Voice  mail on  XX/XX/2017    about  XXXX  am got a cell voice mail from  XXXX   XXXX  saying the federal state law for  XXXX   XXXX  confidential if this is not the intended person to please hang up, so them the voice mail went on to say that  XXXX   XXXX  has the authorization to collect for creditor and has not heard from me, and if I dont want this to go into a greater problem that it will affect my society security number  I  need to call this number  XXXX  they are in a position to try to rescind this matter or have my attorney call,? they will public my society security to damaged me.         Later about  XXXX  I call back spoke to  XXXX   XXXX  said that I owe about {$640.00} and if I can pay this, I told her no she then said she can discount  XXXX  I still said no I can only pay  XXXX  per month  XXXX  said I can pay with debt card but I will have to set up, so I said I will call back  XX/XX/2017    so I did call back about  XXXX  am at that time I asked her for the company name and address and the business license this is the fair debt collection rights when I asked for this information Mrs.  XXXX   XXXX  said that she could not provide the business license she gave me the company name  Direct Recovery Services , No physical Address Only A Box # I asked if her company had a license to do business in the state of California she said yes, BUT I dont know that. The bottom line is that Mrs.  XXXX  did NOT offer me a Validation Notice so that I can confirm the Legitimate debt from this collector or that I Can dispute the amount she also said that they sent me letter on  XX/XX/2017    to my address which I have never received, I asked for a fax copy she said only E-mail I told her I have no E-mail. I feel that this agency is taking advantage of consumers that dont understand the debt collection practice laws,
I was recently scammed. I sent a wire transfer to a person named XXXX XXXX, delivered to XXXX on Monday XXXX XXXX, 2015 at XXXX. The transaction took place at XXXX in XXXX Ky, and the MTCN tracking number was XXXX. Someone was supposed to be meeting me with a package with a stamp to win a prize. I realize now how foolish this was. I have called Western Union automated line and the funds have already been dispersed. Do I have any recourse? I have reported this fraud to my financial institution XXXX XXXX XXXX XXXX in XXXX, Ky.
XX/XX/2018 - for over a month I have tried to access my BBVA Compass checking account. Everytime I call they say I need my account number to access my account. They won't let me use my ATM card or any other information, SS, DOB, address, etc.

They won't send a paper statement. They won't help access the account by sending a link to reset, they flat do not help if you do not have the account number and they won't send out a paper statement so I can get the account number.
PLS Loan company contacted me through my employer by calling my work phone, which is n't allowed at my job and attempted to scared me by saying they have me on record stating I refuse to pay my debts when I clearly said " at this moment I will not be paying off that loan '' The operator was extremely hostile and demanded money or they would take further action, but did not explain what that meant.
this popped up on my credit report and i have not had done business with at t that im aware of.
Portfolio Recovery Is attempting to collect on a debt that they have re-aged on my credit report and never sent a dunning letter.
Problem with Equifax : On XX/XX/XXXX I contacted Equifax to temporarily unfreeze my credit information. My credit was frozen XX/XX/XXXX. I had previously temporarily unfroze my credit on XX/XX/XXXX. My request was refused because I was informed that I did not answer the security questions correctly. I did not accept this response and spoke to several representatives and a supervisor. All refused my request. In fact, the last Equifax representative claimed my account was not frozen even though I read the letter to her from Equifax that stated my account was frozen. They suggested I write a letter to their main office. My insurance company wanted to see my credit score tomorrow. 
The frustration I have experienced from Equifax is disgraceful. The bureaucracy in this non consumer friendly firm is disturbing.
My loan was held by XXXX. I requested a recasting of the mortgage in early XXXX and sent them a check for {$170000.00}. I was informed my loan was sold to LoanCare effective XX/XX/XXXX and they returned my check. I contacted LoanCare XXXX to request instructions for recasting and to whom I should send my check. After six days they did not respond. I contacted them again and was told they would email me instructions. Another week passed and I heard nothing. Finally they did respond and told me it would take 10 to 20 business days to get an answer. I had to involve my original loan company XXXX to intervene and find someone at LoanCare to assist me because I was frustrated. We have been waiting for almost two months to send LoanCare a check for {$170000.00} and I can not get anyone to respond to me. Additionally I am losing valuable interest on the money I would be saving. I finally received a letter stating I should send my money to them and they would recast my mortgage and have it effective XX/XX/XXXX. That is an unacceptable amount of time to wait to lower my monthly payments.
Upon checking my report I noticed that a collection agency XXXX XXXX XXXX was reporting unpaid debt to 3 credit bureaus and I had never received any type of notice from them. On XX/XX/XXXX I sent a debt validation request to XXXX XXXX XXXX for these accounts they reported to the credit bureaur Equifax The amounts for these accounts are {$100.00}, {$65.00}, {$30.00}. The collection agency never responded and failed to provide proof of this debt. On XX/XX/XXXX I sent a SECOND letter to the collection agency and all three credit bureaus that the collection agency failed to provide proof of debt and under the Fair Debt Collections Practice Act they are required by law to stop reporting this debt. On XX/XX/XXXX I received notice from Equifax stating that this debt has been VERIFIED to them and they have updated my report as this debt being correct. I never recieved notice of this debt by the collection agency XXXX XXXX XXXX, I was made aware only after pulling my credit report. Equifax is violating the FDCPA by reporting debt that has not been proven to belong to me.
My name is  XXXX  live en    XXXX   XXXX    PR, Morgage complaint to  Banco Popular  PR and Loss Mitigation and the lawyer for  Banco Popular  PR send all documents in  XXXX  and    XXXX   XXXX     aprov  modification and the lawyer he said no send me documents for pay trial period because pay your fee {$18000.00} and montly pay more expensive fee, I explain my situation loss mitigation and retruture to {$1300.00} fee lawyer, the issue is in   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX  De  XXXX  explain a complaint and solution two parts and the bank fair resolucion for complete trial period and modification aprov for FHA HUD, Bank  of Popular  PR Dual Tracking process in same time, aprov modification loss mitigation and Fourclures in  XXXX    XXXX   XXXX  , my phone  XXXX  in  XXXX  call me