WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I mailed a debt validation letter to the three credit bureaus ( XXXX, XXXX, and XXXX ) requesting they validate my owing Midland Credit Management for a debt they purchased from XXXX XXXXXXXX XXXX. On Tuesday, XX/XX/XXXX I received a phone call from a representative at XXXX XXXX XXXX who stated he was an account manager, wanting to discuss the alleged debt. At which time I expressed to him, I would not be discussing anything pertaining to the alleged debt over the phone and I request that he mail me validation of the alleged debt. The rep then placed me on hold so he could speak with his superior. A few short moments later another person got on the phone and identified himself as a XXXX XXXX XXXX Supervisor. He too wanted to discuss the debt, but again I refused and reiterated, I needed in writing, validation of the debt. He asked me to be specific about what I was requesting of him and I went on to list : signature agreement of my taking ownership of the debt, the bill and all other documentation they have that proves my indebtedness to their company. He stated, XXXX XXXX XXXX has already mailed me information about the debt. At which point, I respond by telling him I have no knowledge of the information or paperwork he was speaking of. He assured me XXXX XXXX XXXX could provide all of the validation I was requesting. However, he could not understand why we couldn't discuss the debt at that moment over the phone? Again, I told him I would not be discussing anything with anyone at XXXX XXXX XXXX pertaining to any debt until I have received in writing complete validation of the alleged debt. He remained persistent and consistent in his approach. He stated, " He could not understand why I wanted to wait? And, he guessed we'd have to wait another 10 days to handle the matter. '' I remained adamant about my request and the call ended. 

I have been checking the mail daily as I waited to see what would be sent to me as validation. Today XX/XX/XXXX I received a double enveloped bill. The date listed as the mailed date is XX/XX/XXXX which means it has taken exactly one month for the bill to reach me by mail. I find this hard to believe! Also, the bill  quotes a settlement and tells me in order to benefit I would have to respond by XX/XX/XXXX which is less than one week from today. I find this to be suspicious, erroneous and XXXX XXXX XXXX way of trying to cover ground they have failed already cover. 

According to the Fair Credit Reporting Act U.S.C. section 1681g, I have the right to demand XXXX XXXX XXXX furnish me documents they have recorded and retained in there files concerning accounts they are reporting in my credit reports. At this point, XXXX XXXX XXXX has received several request for validation of the debt and have demonstrated by way of failing to furnish the requested validation that they are not able to validate. Thus, by law, they must delete.
I am currently with XXXX a consolidation company, they send payments to XXXX XXXX every month for my past due bill however they continue to call my phone like 10 times daily regarding my account and report it to XXXX which lowers my credit score.
This call is from XXXX XXXX XXXX, Phone number XXXX-XXXX-XXXX. I receive this call on average of twice a day and I have no idea who they are or why They keep calling my number. There is no way in the call to respond to a person , you are only allowed to press a key.  Yhis is very frustrating and I want it to end.
I have neither claimed or denied the debt. I asked for verification and they claim they had mailed it out over a week ago. I have not received anything in the mail. Now they are calling my work office main line which is totally unacceptable since I told them they could reach me threw my cell. I have not received any new calls on my cell from this company and now I am taking legal action to get these calls to stop at work.
Working with Nationstar, I was approved for a loan modification. The paperwork they gave me stated that the initial payment would begin on XXXX/XXXX/2016. And I made that payment. However, on XXXX/XXXX/2016, I received notification that the house was sold on XXXX/XXXX/2016. Now, according to records, my home belongs to Nationstar. Please see the attached documents. Please help me.
I am in a status identity theft, Then I will send the police report and the FTC report. I want a investigation about this issue, because I am not reponsable for this debt.
My 1st and 2nd mortgages were transferred from XXXX XXXX XXXX to Nationstar in XX/XX/XXXX. At the time, I was going through hardship and was seeking a loan modification. Nationstar resent the modification application papers and the 1st Mortgage was successfully modified and I started payments in XX/XX/XXXX. Later in XXXX I received two separate Loan Payoff Statements for both the 1st and 2nd. I neverheard anything else concerning the 2nd, no statements, nothing. ( My last payment to the 2nd Mortgage  was XX/XX/XXXX. ) I received a letter in XX/XX/XXXX stating that the 2nd. Mortgage had been charged off because they " were unable to cure the account delinquency and bring my loan current. '' No offer to modify the 2nd. Mortgage, no attempt to lump arrears into a new payment plan. Furthermore, there has been no reporting to the credit bureaus until now, the charge off has just been reported. No other reporting. I think Nationstar was negligent in their loan servicing which has impacted me, and negligent in their duties to perform for the 2nd Mortgage note holder, XXXX XXXX
Equifax was made aware of a data breach involving my data, as verified by the information on the equifax breach site that was created ( equafaxsecurit2017.com ). I identified myself as a victim of the data breach. Equifax did not notify me directly of this, and did not provide me with any opportunities to opt-out of the storage and collection of my PII and PHI during the time in which they collected and stored my PII and PHI. I did not ever give consent for this information to be stored on any equifax storage medium, including but not limited to servers, SANs, RAID arrays, virtual storage containers, hardcopy files, etc., and now equifax has allowed a security breach to compromise my personal information due to their negligence and lack of security.
I never received any communication from this company that my account will be send to collection without my knowledge. Do n't even know this company.
I had a loan to cover XXXX damage from the small business department that was sold to m & t bank .since then it has been a problem.my loan is unsecured with no lien .m & t bank is trying to steal my property by not posting my payments timely, and charges that are illegal.i get two bills from for the same billing cycle.i do not like doing business with them or trust them.this is the second or third complaint to cfpb about this matter.my payment is XXXX dollars a month.
While going through a divorce, my exhusband stopped paying on the account ending in XXXX even though he was assigned the debt in the divorce decree. I spent the next year attempting to collect the past due balance and was finally successful on XX/XX/2017, when the balance was paid in full. Because this account was not my responsibility, I filed a dispute on XX/XX/2017. Eleven months later, I still have not received any sort of acknowledgement from the collections agency that took over this account. This ongoing dispute is now preventing me from applying for a mortgage, so I am seeking outside help to have this dispute handled and closed.
I moved from the XXXX on XXXX XXXX on XXXX XXXX, XXXX. 
The XXXX management is attempting to extort me after keeping my {$150.00} deposit. Now XXXX is wanting an additional {$120.00}. 
They are claiming that I left drywall damage, which is not true, the building I lived in ( XXXX ) foundation was repaired XX/XX/XXXX, this is what cracked the sheet rock. 
They also claim door and counter top repairs. The apartment was broken into before I moved in, the repair that maintenance made to the door was sub par and done incorrectly. I noted this on the move in check sheet XX/XX/XXXX along with the counter problems.
I have a private student loan with Navient. I am currently unemployed and unable to afford full payments on my loan. I have contacted them four times to attempt to work with them to lower payments until I gain employment. Twice they told me I was eligible for a year of interest only payments, which I was willing pay, and then denied my requests. Next I was told I eligible for XXXX months of interest only payments and then they denied my request for that, they claim because they do not approve short term requests. Why offer me that option and then deny it because of the shortness of the time period, when it is the time period limitation they set. Finally I asked for an income driven lowering of my payments, and was told there were no options for that on my loan. I stated I would rather make partial payments then go into default/delinquency and I was told a partial payment would be treated as a non-payment and they would attempt to destroy my credit. I have great credit because I am responsible and pay my bills. They are making no genuine effort to help me pay off my debt and using predatory tactics to try attach further charges on my loan. They have sent me numerous emails stating they encourage me to work with them to lower payments and every time I contact them the end resolution is that they tell me I have no options. It is unfair that if I am willing to keep paying the monthly interest, which is almost half of the full payment, that they opt instead to try increase the total amount I owe by tacking on late fees and charges and threaten me with the destruction of my credit. I have been an excellent customer and are now using my financial hardship as opportunity to make more money off of me.
1. XXXX Agreed that there was a XXXX balance due on a land line. 
2. XXXX is reporting a charge off with a XXXX balance which is impossible. 

Trans-union is the credit reporting agency that is reporting a XXXX   balance as a charge off. 
Trans-union will not allow the account to be disputed on line. 
Trans-union has few or no staff available to file a dispute by phone. 
Tans-union is requesting items not in my possession, making it impossible to dispute by mail.
In 2015 I reported that I was having a problem with the XXXX major credit reporting agencies. I have recently found out that a settlement was issued. I like to know if I was a part of this settlement and if not why. Here are the reports I submitted to you agency. 
XXXX XXXX XXXX
I fill out a application for a jcpennys credit card, and the lady at the jcpennys said her credit score was  XXXX  hundred and she got approve for jcpenny card. My score is  XXXX , and they did not approve me and I fill like u got discriminated against.
In the month of XXXX, I opened a loan on an existing account.My initial invoice noted 'please pardon our progress'..we are not able to include your balance at this time. ' I continued to pay the invoice in good faith fr several months. I then called and reminded the creditor that it is legal bussiness practice to include my payment as well as the future balance with the payment deducted ( past balance ). I reminded the csr that I was sure that when he paid his personal invoices, this information was included. He agreed.Asking for patience with the company update, I relented. Six months later, The representative tried to get me to emphathize with their company 's struggle with thier system. I adamantly replied that I pay my invoice on time and noone from her company concerns themselves with my struggles. I pay the invoice on time ... Every Time. Please review my payment history..over 26 years. This company has changed hands twice since XXXX  when I initiated a bussiness relationship with them. At this point, I have not received a balance in a year of payments. So, I am not prepared to pull out the initial Loan agreement from XX/XX/XXXXand then pull out check ledgers to find my own balance, only to have this company dispute my math or interest calculations. This is not a reasonable requirement of me. I also refuse to call every month for a balance. In America, if it's not on paper, it holds no weight.At this point, I refuse to pay this company until it provides me with a record of all payments, deductions and balance calculations for every month of the Loan. This will circumvent any descrepancies.
I have  a citi professional c ard on my name I don, t have a company and des pite the law from 2009 to apply payment to the higher rate balance I realize now they are doing to the lower. I called them but they told me it is not for this kind of card because it is a business credit card!!!! I read the law and nowhere I found difference for holder.
I HAVE SENT CREDIT BUREAU ASSOCIATES 3 REGISTERED LETTERS IN REGARDS TO AN UNKNOWN ACCOUT ( XXXX ) THEY HAVE PLACED ON MY CREDIT. TO DATE IT HAS BEEN 7 MONTHS AND THEY HAVE NOT RESPONDED TO ME BUT THEY STILL REPORT THE DEBT. I HAVE A POLICE REPORT ON FILE WITH THE XXXX POLICE DEPARTMENT.
I received a payday loan and prior to the due date of the loan Advance America contacted my wife on her phone line as a reminder to pay on due date. My number is active should of been the only number contacted unless the loan was past due and my wife was contacted as a reference ( as intended when her info was left ). My wife has now received 2 calls from advance america.
I paid Trans Union credit reporting agency to provide me with credit reports and credit scores for all XXXX reporting bureaus, but got a vague report and speculated credit score. I checked my credit score through XXXX website to find a completely different number. When I spoke with a supervisor ( Name XXXX ) he told me they calculate the score for all XXXX companies in their own way and that I agreed to some writing about it. They have the actual XXXX logo on top of the credit score with a different number than XXXX actually reports. This is misadvertisement. I did not receive what they advertise.
Penn Credit Corporation has sent several letters to my home and has had multiple calls made every week to my home demanding payment for a debt that is owed by an individual I do not know and that does not live in my home. The debt belongs to a woman named XXXX XXXX, is for {$410.00} related to a traffic violation in XXXX, Florida dated XXXX/XXXX/2017 and is under account number XXXX.
On XX/XX/XXXX I purchased 3 Netspend prepaid card by mistake from XXXX. After I realized they were n't what I needed I took them back, but XXXX said they could not refund the money. I had to contact Netspend for the refund. I contacted them XX/XX/XXXX by phone to make request for refund. After I did not receive it, I contacted them by phone again on XX/XX/XXXX. I still did not receive the refund by XX/XX/XXXX and called back again. I am currently speaking with them today,XX/XX/XXXX, to get my refund but they seem to be holding my money.
To whom this may concern I have been applying for credit cards over the past years I have applied and filed for bankruptcy and now there are inquiries showing up on my credit report that is causing it to have a negative impact I do n't have credit cards with a lot of these companies but yes in the past I have applied to them understand how they 're able to keep calling me for my services and then when I applied they reject it and then they have a negative impact on my credit score I just want them to stop contacting me and take those things off of my credit report I need them to cease and desist I 'm doing all these things to my credit report.
I previously had a student loan serviced by XXXX ; the loan went into default and was transferred to another servicer. I completed a loan rehabilitation program on XX/XX/XXXX and all derogatory information pertaining the payment history was supposed to be removed from my credit reports ; XXXX is the only servicer still reporting negative payment history and they are refusing to remove that information. I spoke to XXXX by phone on XX/XX/XXXX and was advised to send documentation via email verifying the loan has been rehabilitated and is in good standing ; I submitted all the requested documentation on the same day and was told I would receive a response within 3 business days- I have not received any communication. I filed a dispute with XXXX, XXXX and Transunion & sent them supporting documentation. XXXX is still investigating the dispute, Transunion has failed to even acknowledge the dispute or open an investigation and XXXX has already completed the investigation and is refusing to remove the negative information because they say XXXX validated the information. The loan was rehabilitated and is in good standing with the current servicer, the guarantor and the XXXX XXXX XXXX. There is no reason why the negative information should still show up and I would like for it to be removed as it is detrimental to me.
Citibank taken fund from my acct. i deposited 3 checks at the same time through mobile banking after a month from the time i deposit those check i ripped all checks. i found out they took all the money that i deposited. they said those check was presented again in 2 different banks and i dont have account on those bank. i insist that i ripped all those checks. i asked for help and went to the bank to get some help try but they cant answer me why they took my money without further investigation. i gave them a copies of those check but they said there is no trace of fraud. it is fraud because they took the money from me. they cant even help me. im so stress and confuse where to get help with this situation since they blocked my account and my tax money will go to that account. im not rich i live my life paycheck to paycheck but citibank is not helping me to resolve this. im so disappointed and lost ... hope somebody can help me to resolve this since citibank is not doing a there job.
I would urge everyone to contact the Consumer Financial Protection Bureau and file a complaint against Ditech. This company and the Federal Trade Commission were able to levy a fine on Green Tree for XXXX dollars for mortgage failure. Ditech is just a reorganization of that old company. I have already filed several complaints against them. I was up to date with my mortgage until I paid early, now I am behind and facing foreclosure. They have not applied all funds to my account, and they have not credited my account for the actual amount that I paid. 

I suspect that they have altered my billing history, but I have no way to prove this. If everyone holds this company accountable, we can get our money back and our mortgage back on track. Go to this website http : //www.consumerfinance.gov/ and file a complaint today. I am going to sue Ditech if they do n't correct their accounting errors. There are also several class actions out there, XXXX for foreclosure after paying early and XXXX for Ditech giving insurance companies kickbacks. Good luck everyone.
Money withdrawn from my savings account in the amount of XXXX $ to pay for credit card bill with out my permission
I  XXXX   XXXX  was denied refinancing f rom Credit Union Mortgage Association  due to interior appraisal. No details were provided to me. Appraisal structure is fine {$300000.00}.   I currently have an existing mortgage with  CUMA  sinc e   XXXX   XXXX  .They clos ed the application with no chance of remedy. I received no consideration for providing a remedy.
In XX/XX/XXXX, I called Navient to find out if I could begin paying {$300.00} a month towards my student loan debt. I was rudely told by a male Navient customer service rep that {$300.00} was not going to be enough and that if I didnt pay the full repayment amount of {$1400.00} starting immediately, Navient would send my loan to a credit collection agency. I was so distraught from his threatening tone, I hung up the phone crying and without resolution. I was so shaken and felt hopeless that my only financial debt in life would/is my biggest failure ( second guessing the worth of my college degrees ) .The following day, I decided I had to try again and call Navient to settle my debt. I called Navient again and reached a very helpful female customer service rep who listened to my predicament and recommended I applied for the income driven repayment ( IDR ) plan even though I told her I had {$300.00} I could pay each month. I applied and was approved for the IDR Plan and, again, paid {$0.00} payments this past year. Im getting ready to call Navient now to go through this same drill again of finding a repayment plan that will take the repayment amount I have to offer. After reading many stories about other debtors like me going through what I have been through, I felt I needed to contact CFPB so I can possibly get help myself and/or prevent others from going through what Im going through right now. Since graduating from XXXX in XXXX, I have not been able to make payments on my student loans. When I offered to pay {$50.00} each month, I was told it wasnt enough and I might as well file for income hardship deferment or forbearance, which I have been doing for the past 20 years. I now have a total outstanding debt to Navient of {$160000.00}. I just wish Navient would have accepted my offer of $ 50 monthly repayment back in XXXX or at least worked with me on a fair payment amount. The interest that has accrued on my student loans is scary. I didnt even go to XXXX XXXX schools.
I purchased a set of tires at Goodyear and selected the tires because of the advertised rebate of {$140.00}. The rebate came in the form of a prepaid VISA debit card issued by citibank. However, the card expired 6 months after it was received, and citibank says that the balance on the card has been forfeited. I called the customer service number at XXXX and was told that nothing could be done. 

There was no prominent disclosure of the fact that the entire rebate would be forfeit if the card was not used by the expiration date. That was {$140.00} in rebates that is now gone. Furthermore, the disclosure that came with the card said there would be maintenance fees after 6 months which led me to believe there would still be some balance remaining to use.
Recon Trust sent documents that raised more questions what is the actual foreclosure date XXXX XXXX or XXXX XXXX Why was there XXXX Trustee Deeds Upon Sale Recorded The purchaser in XXXX XXXX received a Quit Claim Deed - signed by Notary XXXX XXXX XXXX - document unable to be verified by county recorders notary division - XXXX XXXX XXXX - Certified No Record Found XXXX XXXX XXXX is the same person whom posted Certificate of Posting XXXX ( received by XXXX XXXX in XXXX XXXX my first time seeing notice ) XXXX XXXX XXXX is also the Quit Claim Deed notary to Investor in XXXX XXXX - Certified No Record found appears to be fraud and Void
XXXX XXXX, account number XXXX is wrongfully appearing on Experian, XXXX  and XXXX  credit bureau reports.I opened the account in XX/XX/2015. 
The payments made for this account were for usage and a XXXX XXXX  XXXX phone. 
All payments were made on time because I used auto-pay.At the completion of the contract I was on the phone with a XXXX Rep. , settling the account.He tried to sell me a newer phone, a newer Note for $ XXXX.I said I WASN'T INTERESTED but there was Sales Persistence.Finally he said we will cancel everything and I WILL NOT BE CHARGED.I kept the same phone number and transferred it to Team mobile. 
This entire account is fraudulent.I owe nothing.
i was trying to dispute something online and was sent to a link that my computer said that it was unsecured. there are fraudulent company 's saying they are the major credit unions and asking for sensitive information. and when i called the number on the websit e 3 separ ate time it put me on a line with someone who does n't even sp eak English. H ow can the major credit unoions have customer reps that dont speak very good english and the fisrt thing they ask for is your social security number to start. thanks
Universal American Mortg age is reporting Foreclosure on my credit report and it was never a foreclosure.