WillisBack/dataset-financial-user-claim huggingface dataset:
The company is : Express Recovery Services XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX I never received letters from the company to validate the debt or to allow me to dispute the debt. I only found out about the debt being in collections by checking my credit report in XX/XX/XXXX. After that, in XX/XX/XXXX, I did contact them to try and work with them and they would not work with me. Months later they filed a judgment, again, I was not properly notified of the court dates so it was awarded to them by default. I received a call in XX/XX/XXXX from them telling me that they had won by default and proceeded to tell me all of the things they were going to do to recover the money for the hospital bill ; such as seizing my assets, credit damage, and wage garnishment. They inexplicably withdrew the judgment and then renewed the collection accounts. Yet again, I found this out by looking at my credit not from them or the courts. 

From the beginning, this company founded on punishing people for wanting to stay alive, has been despicable on every level. They were uncooperative, condescending, and just disgustingly proud of their loop-hole navigation. They exist only to contribute to or be the cause of human suffering. They represent the worst qualities of corporations, Americans, and human beings in general. These are fundamental truths, not opinions. 

Regardless of these impassioned statements, this company did not properly notify me as required by law. I would include these documents in my complaint, however, they do not exist.
I received a telephone call from Debt Recovery Solutions on XX/XX/XXXX stating to me that I owe for a check loan and asked personal information I told them I would not give any information until they sent me validation in the mail. 
XX/XX/XXXX I received a letter from the company stating that they have validated the account with an application that is over XXXX years old, copy of drivers license and bank card that is over XXXX years old and a copy of a check that was written to me however did not have a date on the check. I called the company to dispute the information they sent to me stating that this was over the statue of limitations to collect. The company hung up on me XXXX times was abusive and harassing, threatened to sue me, and report to my credit and the agent claimed I am lying the debt was received in XX/XX/XXXX however they have nothing showing that information. nothing has been resolved on my dispute.
Equifax failed to adequately protect my information in the event of a known vulnerability and breach. They did not adequately notify me of a problem. My data was compromised and is potentially available to criminals to use my credit information and personal data to harm me.
spoke with Equifax on XX/XX/XXXX in regards to removing the public record items from my credit report. Question three representatives whether or not my name, address, social security number or birth date was included. The first agent stated no, but refused to remove the information. The second agent refused as well. Placed on hold for a third agent/supervisor who never picked up the line. Items Tax Leins appear on Equifiax and Transunion XXXX Bankruptcy appears with all three agencies Tax Lein Date Filed - XX/XX/XXXX - {$4700.00} Court File - XXXX | Case - XXXX and XXXX Date Filed - XX/XX/XXXX - {$1300.00} Court File - XXXX | Case - XXXX and XXXX Bankruptcy Date Filed - XX/XX/XXXX Court File - XXXX or XXXX
I sent final request on XXXX documents that they have in my files as of this date that you used to verify the accuracy of the accounts listed below. Im XXXX Veteran who suffer from XXXX I lost a was denied for a house because they woulnt remove this item in my credit report or correct them. Item ( A ) information mislead incorrect ITEM ( B ) showing information as derogatory Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or be removed immediately.
Commity Bank has called my phone over XXXX times in the past XXXX hours. They will call every XXXX minutes if I do n't answer my phone. I have answer and asked them to quit calling my phone and they continue to keep calling.
This is the second attempt I 've made to use XXXX XXXX and I can not get paid when I NEED my money because Wells Fargo continues to fail to update my balance this is really unfair and I am considering dropping them because of this. This is the second time I 've stated my complaint and still nothing has been done about it. XXXX XXXX app is showing a balance I had on my account earlier last week. As of right now it is showing {$240.00} when in actuallity only {$12.00} is available even on the Wells Fargo app my balance is incorrect ... such a disappointment. Please fix it this time.
i Contacted SunTrust about a unauthorized inquiry on my credit report and unfortunately I was told SunTrust do not have a written consent with my signature in agreement to their invasion of my privacy. 
They also stated they had permissible purpose to do so through other unknown companies that supposedly have a consenting application for credit. 

However, Suntrust have fail to display the application with a signature or electronic signature or any form of consent to allow this inquiry. 

This company records do not provide the one document to be factually sound in their previous statements.
Wells Fargo deducted {$150000.00} in XX/XX/2017. 
Is from then that they don't give me my money from complaining and everything. 
They took in the last two months more than {$3000.00}
On XX/XX/XXXX 2 payments from the VA were posted on our behalf, shortly after a VA representative spoke to Ocwen Loan Services and got a balance due on our account. We were approved to catch up on our loan and be current after 2 loan modifications within a 5 year span. Ocwen was well aware of the money coming in to them from the VA and we had an agreement with them that the mortgage would become current when the payment arrived of the amount indicated by them to VA and us in XX/XX/XXXX. 

When the money came in to them, it took them 3 days after the day of the received payment day of XXXX ( XX/XX/XXXX ) to post it to this account. On top of the payments of {$1200.00}, they tacked on a late fee of {$15.00}, another payment due and the amount due on XX/XX/XXXX was XXXX. For XXXX payment it was {$1300.00}. These payments made were combined with our payment made of {$640.00} in XXXX after many attempts to straighten out the loss of our current status. That is 3 payments to them in a 30 day window and they still would not correct the payments making it current. 

This ruined my credit. I want it corrected and applied to my account since they knew the money was coming in from the VA and myself, and refused to waive any and all  fees. They gave the VA incorrect numbers of what would be due at the time they received the payment from them. It was only 4 days from the 15 day window of another late fee ( XX/XX/XXXX ). 

Ocwen recieved money from the VA on the XX/XX/XXXX but they had spoken to the VA regarding the payment being approved and on its way the entire month of XXXX. They knew the money was going to be there. At this time, my account is still past due with no means to make a double payment. They continue to tack on late fees and will not go back to XXXX and correct this mistake. 

I am a XXXX veteran with 1XXXX XXXX XXXX civilian status as well and my wife is XXXX-both from a car accident in XXXX. We were both taken off of work at that time. My income went from {$60000.00} a year to the poverty line. We now live on public assistance-not by choice. We have had this mortgage modified twice and they still refuse to bring it current to help us. They have us still past due, even though they know my situation from several years ago when I tried to modify the mortgage and they took {$350.00} processing fee from me just to do it wrong and I had to modify it again a year later! 

Since this time, we have been past due/deliquent status, never to become current due to their mishandling of the fees and money they received from the VA in XXXX.
I have been trying to receive back child support for years. Since  XXXX  I constantly checked my Eppicard and the balance was  XXXX  cents for years. On  XXXX   XXXX  I received an  XXXX   XXXX  card with child support on it and I found this strange so I went to Child Support Enforcement and went to the Clerk of Courts and received an audit that stated my child support was being paid all along. When I got home that day  I call ed Eppicard and was told I was issued  XXXX  cards and over  XXXX  was deposited since  XXXX . My card still stated the  XXXX  cents. I was told I must of spent the money and forgot, I ordered  XXXX  cards in four years and funny I still have the original since child support transitioned to debit card.  XXXX   XXXX  I was issued a new card cause I started an investigation with there fraud dept and the new card issued is one of the numbers on transactions from  XXXX ??? Then the other transactions that I never made were on a different card. On the statements there are large deposits made then withdrawled by who?? Not me cause I was still going to the courts, writing letters till  XXXX . What brings me to you is Eppicard stated they closed the case cause I did not file fraudulent charges in a timely fashion and how could I do that when my card still stated  XXXX  cents. They sent me transaction statements  XXXX   XXXX  and I followed all the proper procedures and still told case closed. My daughter and I were robbed of  XXXX  dollars and no accountability is being taken. I reviewed  XXXX  cases of the exact same situations from other Eppicard holders. I 've contacted an Attorney but they want a  XXXX  down and went to the courthouse but modifications ca n't be made cause money was deposited and applied to the Eppicard. The entire responsibility is on Eppicard for mishandling what is due me and hundreds of others. I need help recovering what is due me. I asked Eppicard fraud dept to investigate, get signatures and match to mine, get video where withdrawals were made anything they said case closed! Please, any assistance would be appreciated.
XX/XX/XXXX Dear Sir/Madam, I am writing today to complain of the poor service I received from my mortgage loan servicer Ocwen Loan Servicing, LLC for the past six years. It has been brought to my attention that I have been paying an interest rate of 11 % from XX/XX/XXXX-XX/XX/XXXX. I am writing to you because I am at my wits end with my lender. I applied for a modification in XX/XX/XXXX and was granted. 

Unfortunately, since XX/XX/XXXXI have been going through a financial hardship. My household has lost income from XX/XX/XXXX-XX/XX/XXXX. I am XXXX XXXX, I have been a XXXX XXXX for the past twenty years. I have been re-establishing my business for the past two years. During this time my husband was laid off from his job after working 26 years and I was out of business for two years Recently, I was denied a loan modification. My income has drastically changed for the better. I can now afford my mortgage payment with the help of a modification. 

I am most annoyed with how I have been treated. I personally feel I am a victim of a predatory loan. I appreciate any assistance you can provide in resolving this issue. 

Please feel free to contact me regarding this issue at XXXX Thank you for your time. 
Sincerely, XXXX XXXX
I am the victim of identity theft. I have tried numerous times to correct this issue with Experian without any success. The following accounts are believed to be fraudulent. XXXX XXXX XXXX / XXXX {$8500.00} XXXX  XXXX XXXX / XXXX {$14000.00} XXXX XXXXXXXX XXXX / XXXX {$4700.00} XXXX XXXX XXXX / XXXX {$18000.00} XXXX  XXXX XXXX / XXXX {$24000.00} XXXX XXXXXXXX XXXX / XXXX {$7600.00} XXXX XXXX XXXX / XXXX {$40000.00} XXXX XXXXXXXX XXXX / XXXX {$17000.00} XXXX  XXXX XXXX / XXXX {$2600.00} XXXX XXXX XXXX / XXXX {$32000.00} XXXXXXXX XXXX  XXXX / XXXX {$2600.00} XXXX XXXX XXXX / XXXX {$3500.00} XXXX XXXX  XXXX / XXXX {$1200.00} XXXX XXXX  XXXX / XXXX {$300.00} XXXX XXXX  XXXX / XXXX {$2700.00} XXXX XXXX  XXXX / XXXX {$250.00} XXXX XXXXXXXX XXXX / XXXX {$1500.00} XXXX XXXX  XXXX / XXXX {$3000.00} XXXX XXXXXXXX XXXX / XXXX {$3400.00} XXXX XXXX XXXX / XXXX {$5500.00} XXXX XXXX  XXXX / XXXX {$610.00} XXXX XXXX  XXXX / XXXX {$8600.00} XXXX XXXX  XXXX / XXXX {$5700.00} XXXX XXXX XXXXXXXX / XXXX {$760.00} XXXX XXXXXXXX XXXX / XXXX {$3500.00} XXXX XXXXXXXX XXXX / XXXX {$37000.00} XXXX  XXXX XXXX / XXXX ( All accounts that say XXXX XXXX  XXXX / XXXX )
I only found out that I have collections after me by checking my credit report. 
I was never contacted by the creditor, nor the collections bureau about the amounts owed. I have received nothing in the mail and no one has attempted to call. Being fully unaware that I owed the creditor a balance, I do not think it is fair to have had this passed on to a collections bureau as it is making a great impact on my credit.
I had older medical debt in my name that I viewed in my credit report. I viewed XXXX, XXXX and XXXX. I wrote all of the debt collectors that I had debts with asking for verification of my debts, including Credit Systems ( Centron Services ) in XXXX, Montana. Credit Systems reported ( As " Centron Services '' ) to XXXX of the XXXX credit reporting agencies for ONLY the XXXX debts, and to XXXX of the agencies they reported to reported over {$1000.00} more than the original/actual debt on XXXX of the accounts. 
This was apparently a {$4300.00} debt, according to the collection letter they repeatedly sent out. About a month after sending out the verification of debt letter to Credit Systems I received a response back. They claim on their front page that I owed {$4300.00} but on the verification of the debt from the hospital I owe {$2900.00}. That was the only verification they sent me.
There is no way this is also accurate there is a company listing I owe XXXX I have disputed with nothing being received back.
There are three hard inquiries on my credit report which are over 12 months. One is for XXXX XXXX from XX/XX/2017, another from XXXX XXXX on XX/XX/2017 and XXXX XXXX on XX/XX/2017.
For over month citi bank financial websites have been down for my Macys credit card and my best buy credit card. I 'm unable to track my spending, check when my bills or due, or make payments. Not only are there websites down but when I call there are really long waits to talk to someone. I should be able to monitor my activities and keep track of my account at any moment to make sure that I 'm using my cards responsibility. Citi bank is making tracking/monitoring difficult.
Credit World has been notified on four occasions that a debt they are showing active on my credit report was discharged in a bankruptcy RE : XXXX XXXX XXXX Case No. XXXX. They continue to show it open although the have been notified. I don't even believe the debt is valid as I never received anything with regards to the debt it just appeared on my report and was the ncluded in a chapter XXXX. I have called Credit World three times the were suppose to send me a report showing the validity of the debt which I never received. They need to remove this or so it discharged and not active they refuse to do this. This collection agency is notorious for not abiding by the Fair Debt Laws.
Dear Sirs,

I am writting to you to ask about the help.



I would like to report online scammer XXXX XXXX.(passport he send to me attached) He said that he is US citizen and he lives in XXXX in Minnesota.

I met him on XXXX site and after we spoke on XXXX and XXXX.

He trik me into a romantic relationship in order to force me to send him money. I attached print screen from our XXXX  conversation.

Below you can find some information that he gave it to me.and Photograph

XXXX XXXX" XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX
Washington




I know that he is using other people data and personal details to pick up the money and other frauds.


He claim that he is :
XXXX XXXX 
XXXX

but the photos that he is sending to the woman most probably belong to somebody else ..

Additional i have found another robbed by him person.

Details below.

she lives in XXXX and XXXX.
Her Name is XXXX XXXX
+XXXX 
XXXX XXXX was sending money to XXXX few time and one of the person who picked up the money was XXXX XXXX.   Location : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
This woman is from XXXX from the XXXX XXXX side (probably she is working in XXXX there..


> XXXX XXXX

> XXXX

> XXXX

> XXXX XXXX

> XXXX 


In one of conversation XXXX XXXX  claimed that the man below is his lwayer XXXX XXXX XXXX.(attached some info)

His name is: XXXX XXXX XXXX XXXX"
On XX/XX/2018 I received a screenshot of a text conversation between my ex-husband of nearly a decade and his aunt. His aunt was requesting I contact XXXX  Bank, as they have called her 6 times regarding my credit card debt. As I stated, my ex and I have been divorced for nearly a decade, and his aunt is no relation to me, has no contact information for me, and should not have been contacted once, let alone 6 separate times.
I have student loans and they were defaulted because of a car wreck I was in. My family and I were  hit  b   y a drunk driver, r esulting in a death of a family member.     Upon getting my life back together, I completed the rehabilitation program and paid  9 c onsecutive payments on time for 9 months. As a result, these loans are suppose to be reported on my credit as back in good standing and remove the negative marks. There are  XXXX  loans that have yet to be cleared from my credit as promised.     There shows  XXXX  loan that  XXXX  has told me would be removed and it has yet to be removed I have called for months and never able to get answers or someone to help me. I will do whatever it takes to get this done. I have completed the program and this business did not do as they stated. it is a scam.     I will be consulting an attorney and reaching out to media outlets if this is not fixed..
I have disputed the inaccuracy reporting by the credit agency and have asked them to provide information of they results as well as the reporting individuals name, address, phone number and other identifying information. The credit bureau responded that the information was verified to be correct. They advised the reporting company was the XXXX Bankruptcy Court. I mailed a letter certified to the whom they advised reported the inaccurate information. The XXXX court advised that they do not report to credit agencies and could not locate any records that belong to me.
Had FHA loan with Chase, had financial hardship, asked Chase for help, instead of help they did loan modification over phone my payment went from {$960.00} up to over {$1600.00} / month, when behind in payment they put escrow into separate account that was like a Credit Card ( you 'll never get it paid off ), worked with XXXX VT to get a modification during which Chase caused many problems, had more financial problems and house was going into foreclosure?, XXXX XXXX XXXX contacted me saying they owned loan, called XXXX who sent me to a case worker, worked with caseworker and XXXX to get modification, XXXX said I did n't qaulify, caseworker said my numbers said I do qualify, got nervous and called XXXX again and they said XXXX is NOT on my file a company called XXXX was servicing loan, called XXXX and left message got no response, called VT XXXX who sent me to Banking and Insurance who then sent me to YOU, XXXX said neither XXXX OR XXXX are LICENSED IN VT and that is why they sent me to YOU.
I was shocked when I reviewed my credit report and found late payments on the dates below : Creditor : Discover Personal Loans Account # XXXX I was never 30, 60 or 90 days late in the month of XXXX and XXXX XXXX. 

I 'm not sure how this happened, I have always made my payments on time to you when I received my statements. My only thought is that there was a billing error with my statement.
SLS is refusing to help me fix my mortgage, give me an affordable rate and or to even review me and my financial situation for any type of mortgage assistance. i continue to be told that because the type of loan i have i am unable to afford my home. if that was the case then why give me a mortgage? SLS is telling me i can not afford the loan without reviewing my income documentation and financial status. they are not even allowing my information get to the investor and are making decisions without their consent. I lost count how many times i have sent them my financial and modification application for them to review me and they have literally told me they will not offer me a modification as much as they have told me the will not review my documents. i need all the help and support i can get to make them give me assistance.
Hello, Thankfully, this is NOT a complaint. I have recently received my credit report ( XXXX ) and noticed some discrepancies. I realize this information does not affect the credit score, but for accuracy 's sake, I'd like to humbly request the following updates/corrections : 1. Resident issues : * I currently  live at XXXX XXXX XXXX, XXXX, AL XXXX * I have never lived in Virginia. The address of XXXX XXXX XXXX XXXX, XXXX, VA XXXX does not belong to me. I'd like this cleared to protect from possible ID theft. 
* I do not identify the address in XXXX, FL " XXXX. '' I have never lived in this area of XXXX. 

2. Work history corrections : * I currently work at XXXX ( XXXX ) ; not XXXX XXXX. Additionally, when I did work at XXXX  XXXX my position was XXXX XXXX XXXX/XXXX XXXX. 

You may believe that since this will not change the score, it is not prudent to correct. I beg to differ and humbly ask that these corrections be made. I appreciate you assistance in advance and respect your prudence in assisting this consumer. 

Kind regards, XXXX XXXX XXXX
XXXX   XXXX  fraudulently enrolled me. said that i might be eligible for scholarship when the rep knew it was for working students. I was rushed through the lending process when I should 've gotten financial aid. I was in default of the loan, so I had a lien on my taxes refund.
We applied for a loss and mitigation to our bank, and it was pre-approved. After months of the arrangement they stopped the loss and mitigation, did not received our checks, and filed a demand on US Court. After two years in court the judge decided the case was dismissed with prejudice on our favor.