WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2017 I received a bill amount from States Recovery Systems for {$2100.00}, stating that it was the total amount owed. 

XX/XX/2017 I received a debt validation and bill amount for {$3300.00}. 

On XX/XX/2017 I received a second debt validation and bill amount from States Recovery Systems for {$3300.00}, and stating that they have closed and returned the account to the original creditor XXXX XXXX. 

Now they have resumed collection activity again. The billed amount is obviously incorrect and they have clearly violated several parts of the FDCPA. Not only that, they have continued to continuously call my cell phone after a debt validation and cease and desist statement was provided to them because of the discrepancy in what I owe.
I was given credit for dental work by Care Credit and and saw a dentist for XXXX in 2013. Care Credit never once sent me a bill for the amount owed ever, no way was offered to pay the bill, then after twelve months they closed my account as a right off and sent it and a collection agency. They also reported me as delinquent to credit bureaus yet never once sent me a bill to pay or statement that my account was past due. I allege violations of law and bad faith on part of Care Credit. I want to delinquency to my credit reversed because I was never sent a single bill or even past due notice before my account was closed and sent to a collection agency. I also ask that Care Credit be held accountable. 

Care Credit engaged in deceptive practices and acted in bad faith by never sending me a bill and failing to notify me my account was delinquent or being sent off for collections.
started receiving mail at my address with my actual name altered for an unpaid XXXX bill. Barclays Bank Delaware XXXX XXXX XXXX for {$5400.00}. My name is part of the name on the due bills. Someone just added XXXX names inbetween my first and last name. I have sent letters explaining this is not me, some of my letters to now attys have been sent by me certified mail. I need help to stop these mailings and clear my name
On  XXXX   XXXX ,  XXXX  I received court documents, from  Debt Atty. Pressler & Pressler, that I a m being sued for a balance owed to   XXXX   XXXX   XXXX .   XXXX     XXXX  provided them with  XXXX  statements dated  XXXX , and both had handwritten balances.     I have contacted   XXXX   XXXX   XXXX , at  XXXX  different phone numbers, for which I was told they could n't find my account.   
I have also provided a detailed letter to Pressler & Pressler, explaining that the informatio  n on those  XXXX  statements are not accurate.   The first account, shows a handwritten balance of {$10.00} with a last payment received date of  XXXX / XXXX / XXXX . I have bank statements indicated a final payment in the amount of {$25.00} was made on  XXXX   XXXX ,  XXXX . According to my calucations, this was an overpayment of {$14.00}.   The second account shows a handwritten balance of {$780.00}, with a last payment received date of  XXXX / XXXX / XXXX . I have bank statements indicatin g 13  payments were made since that date with the latest being  XXXX   XXXX ,  XXXX .   Since no one seems to be able to find my account, and the attorney 's office if going by false information, I have major concerns as to where my payments were actually being applied. In addition, I have not received a statement or an itemized bill in approximately 2 years, but yet I keep making monthly payments.
on XX/XX/2018 at XXXX a lady by the name XXXX XXXX called durning my working hours advised her there should be a note not to call during this time its an inconvintent time to call. she ignored what I said and continue to proceed with verification and when I stated I am at work she started to get rude and said well what's your email address again I said theres something on file not to call while im at work then asked what's my work number asked to talk to a manager and was placed on hold for a while. XXXX XXXX was very unprofessional.
I had an unauthorized payment posted to my mortgage account in XXXX 2015. There were XXXX XXXX XXXX payments posted to my account that month both from my BBVA Compass account : I only authorized XXXX payment. 
The disputed charge is : XXXX {$1100.00} ref # XXXX
I XXXX XXXX am trying to reorganized my financial situation without filing for bankruptcy protection. I therefore believe that over the next few months I can resolve a great deal of my debts through negotiations, and I need a modification package emailed to me as soon as possible. I request that all phone calls to me cease immediately by AmeriHome Mortgage, and that I receive a modification package to start on that process immediately and be protected from foreclosure proceedings under my protective rights with the addendum Fair Debt Collection Practices Act of 2014. Accordingly, I request this modification package immediately and I will explain in great detail my plan to get my affairs in order without bankruptcy.
XXXX is a company of XXXX and XXXX  XXXX up my credit score. I have told them many many many times to stop sending bad debt to their credit vendors. I purchased an item mistakenly through their XXXX XXXX XXXX XXXX, I asked them to transfer it to my regular credit card, I contacted them. They claimed they were going to do it but did not. Finally, they sent the garbage debt to XXXX XXXX. XXXX refunded my amount for troublesome purchase but did not tell XXXX to refund my purchase. What Kind of a sellor Store vendor refunds, but does not notify their credit card? Then I try opening a login account with XXXX many many times. I had trouble with logins and passwords, additionally i did not receive an account statement. After many problems, I received bad debt for an issue I got a refund on???? XXXX  sent it to all credit bureaus, XXXX, Equifax, XXXX. XXXX even sent me a letter acknowledging bad debt and refund, but did not tell XXXX. I said if you send bad junk and libel and slander, you clean it up. On top of this, they were laughing at my XXXX last name, they are very XXXX, what kind of a company laughs at the name of immigrants? If they do not contact the three credit bureaus, XXXX, Equifax, and XXXX and cancel my debt with XXXX I will contact Civil Rights Commission and  think about next step on how mortgage is denied. Frauders and liars.
I have disputed this account multiple times. The company and the credit company XXXX refused to remove the account. They opened the account while I was in a chapter XXXX bankruptcy. They also provided documentation that appears to be screen shots of an application with them. However the bank account they provided I have never owned. Therefore, this account was not mine. They wont change the information.
I am a co-borrower on a car loan though Santander USA. I have had this loan for 2 years and recently lost my job. The car was repossessed in XXXX of 2015. I did not receive any information regarding the repo, and had to call to get the information on where the car was taken to. One day after the repo it was transferred to the auction house. My property was removed from the vehicle and I had to pay {$75.00} to get that, then I had to pay another {$150.00} to get the car back. On top of these fees, Santander charged me another {$300.00} for repo fees. Upon finding out about the repossession, I made arrangements to place all of the late payments on the back end of the loan including the repo fees. I got the car back after I made a payment of {$390.00} by XXXX. I called to get the vehicle released as I had fulfilled my end of the verbal agreement. I picked up the car and assumed that everything would be set until the next month. After receiving excessive calls from Santander it came to my attention that they have no intention of honoring our verbal contract. They threatened to repo the car again because they are saying that I am 30 days late for my XXXX payment! You can understand my frustration when you do all you can to get ahead and the slap you with so many fees and then break the agreement that we had when I fulfilled my end of the bargain. My question is, what did the {$390.00} go to? Please help!!
On XX/XX/18 I obtained my EQUIFAX credit report ( Report # XXXX ) and after reviewing it I noticed that I have 3 negative accounts and 4 inquiries that I do not recognize which is definitely fraudulent. The 3 negative account is indicated on the attached letter as well as the unauthorized inquiries. and I have no clue why it is reporting on my credit report and there is an obvious error. I have never done any business with the companies listed on my report. I have filed a police report and I have disputed this before with Equifax but to no avail it is still on my report. This is affecting my credit and I am asking for help with this matter immediately. Thanks
I received an alert that the amount increased on a voluntary repossession that happened in     XXXX   and has already charged off and the car was sold.
I received a call from a representative with Diversified Adjustment Service regarding a debt with XXXX. I was informed that there is a {$12.00} processing fee per payment, and if I had wanted to make multiple payments to settle the account I would have to pay the fee each time. I asked the rep if this could be waived and was told it could n't. I said I would start setting money aside and asked if I could be called back in 6-8 weeks, I was told " Good luck with that, You have one week '' and then the rep hung up. I felt this was threatening and rude.
I had difficulty using my online app to make a payment. As a result I had to reset my password and then make a payment. I was later assessed a late payment fee of {$25.00} because I had missed the bank 's cut-off time of XXXX XXXX by 3 minutes. Even though the bank was able to immediately debit my checking account and received payment on the day I authorized the payment.
I recently received a copy of my XXXX  credit report that shows a collection that should have been removed off my credit. I was advised by the collection agency representative that the address they had in there systems did not match the correct address for me, therefor I was not notified properly of the debt in question and if I paid the debt it would be removed off all 3 of my credit reports ( XXXX. XXXX, XXXX ). Attached is a copy of the XXXX  credit report where the item was deleted but as of today XXXX is still reporting this debt on my report. I am no longer reponsible for this account and it is negatively affecting my credit report, I am asking that this item be removed asap. If this account is not deleted I will be forced to contact the XXXX and seek legal counsel to file suit. Thank you
i have been trying to get a hold of someone at coinbase about my account access for 4 days now, i have used their self serve password reset tool and each time it tells me i 'm trying to reset from an unverified device which is not true but whatever and it says for my security i have to wait XXXX hours to access my account, it 's be 4 days and i have tried repeatedly to reset the account and no email, no tech support, no response. it 's as if this company is dead. I have over XXXX dollars in coins in there and im unable to access my account. I just want my password reset, it could all be so simple but not with this company. I 'm ready XXXX XXXX up to san francisco and walkin to their office to get this fixed.
I disputed the account below with TransUnion and it was verified. 
XXXX XXXX I requested a reinvestigation. On XXXX, the TransUnion results stated, " New Information ''. 
There was no " new information ''. I have included a copy of the reporting account from XXXX 2016, and the " reinvestigation '' results from XXXX 2016, and the account is reporting the same information. 
On XXXX XXXX, 2016, I requested from TransUnion the method of investigation, since clearly there was no new information. This request was received by TransUnion on XXXX XXXX, 2016. 
As of XX/XX/2016, I have had no response from TransUnion. As per the FCRA, the 15 days has expired. 
On XX/XX/2016, I sent a letter to TransUnion stating the time limit has expired and the account must be deleted from my credit report. TransUnion did not reply and the account is still reporting. 
Since TransUnion obviously did not contact XXXX XXXX and can not give me any information on this account, or even prove it is mine, it must be deleted from my credit report. TransUnion refuses to do this. TransUnion also refuses to respond to my CFPB complaint without my authorization, so I am giving TransUnion my consent ( authorization ) to investigate the CFPB complaint and to communicate to the CFPB regarding my credit report and the complaint.
Since XXXX XXXX loan modification Approval with my VA Lender First Continental XXXX Mortgage XXXX my lender has failed to send my loan balance statements. 
I have been making timely payments of {$1700.00} @ month on my VA mortgage since XXXX XXXX and my XXXX bank Direct payments online is my evidence of payments. 
When VA loan modification was approved l had new Balance on my loan of {$250000.00} and as payments has been made since XXXX XXXX till present l have n't receive any VA Loan or escrow account 's statements on balance of loan, etc.Why? 
Also, Lender has failed to send me loan statement documents for six months by Regular XXXX Mail Service at my home address XXXX XXXX XXXX XXXX, XXXX, XXXX or my XXXX XXXX XXXX, XXXX XXXX XXXX. 
I travel to XXXX for my XXXX XXXX treatments with my Physician XXXX XXXX XXXX in XXXX, XXXX 
I am retired. 
Also, my lender has failed to disclose my VA loan on my credit report with XXXX, and XXXX it has been over 60 days, since l file complaints as my lender rep states that my credit report will be updated. 
We are in XXXX XXXX and nothing is done. 
I am been Retaliated and Discriminated because I am a XXXX Military Veteran and l my filed complaints against lender since the lender fraud issues from XXXX XXXX. 
I will email VA loan documents to Consumer Financial Protection Bureau with my case number complaint. 
This is a Urgent request that Federal government conduct a investigation against my lender.
i have received a letter from this agency that states that I owe them. I have never had any dealing with this company. When I disputed the debt and ask for the information that supports their claim. I have no knowledge of the debt
On XX/XX/XXXX I sent a goodwill letter and an extra car payment to XXXX XXXX for my car loan. 9 months prior to the letter and the extra payment I had fell behind, due to a serious medical condition. In which I had made XXXX XXXX aware of it immediately, so there would be no issues and to no avail my situation fell on deaf ears. 

The good will gesture outlined asking for them to take all of the old late payments and bad remarks off of my account and add PAANL, which is Paid As Agreed and Never Late with all three credit bureaus, Experian,  XXXX and XXXX. 

The letter also stated by cashing personal check number XXXX dated XX/XX/XXXX XXXX XXXX would comply with the letter it is entirety, again with removing the late payments remarks and the fact of me sending an additional payment or to return the uncashed check to me. I submitted documentation to all 3 credit bureaus, and still there was nothing done. As of now it has been 11 months and still XXXX XXXX and the Credit Bureaus have not removed said late payments or remarks but did cash my check.
I was attempting to access my free credit report via annualcreditreport.com and requested it from XXXX XXXX, Experian, and XXXX. When the website prompts asked for my personal information, it came to a questionnaire about existing loans, accounts, etc. A few of these questions were about a home loan, auto loan, and jeweler 's account that I have never opened. Since I was unable to answer questions about what organizations held these accounts I could not access my report. These questions indicate that it is likely someone has access to my personal information, including my social security number. Because of my concern for this, I need immediate access to my credit report to gather more information and potentially file a claim. I am asking XXXX XXXX, Experian, and XXXX to send me my credit report, preferably online, immediately.
For Merchant Capital One. 
Please provide proof the debt is mine by providing proof of signed contract, date signed, etc. I had this debt/error REMOVED because it was originally appeared on my credit as a CHARGED OFF XX/XX/XXXX ( 5 years ago ) and has suddenly popped up again on my credit report XX/XX/XXXX. 

The CHARGE OFF NEGATIVELY impacted my credit XX/XX/XXXX and I suffered a severe drop in my credit score. 

The CHARGE OFF NEGATIVELY impacted my credit AGAIN XX/XX/XXXX and caused a decrease of 60-71 points. This same debt is ALSO showing as PAST DUE. A " charge off '' is a debt that is written off and NO LONGER on the books as collectible account ; therefore, how can " charge off '' ALSO show as CURRENTLY PAST DUE? Either it is " charged off '' or it is " past due. '' It CAN NOT legally be both. Therefore why are creditors allowed to DOUBLE DIP and post the same transaction MULTIPLE times in this instance 5 years later resulting causing further detriment my ( consumer ) credit report/score? 

Why are creditors given card blanc to bulldozer ( bully ) a creditor with such credit tactics?
I have a debt with my original creditor ( XXXX XXXX XXXX XXXX, MD ) that was passed on to debt collection ( XXXX XXXX XXXX XXXX, MD ) The debt collector was never able to collect. The original debtor has since won a judgement against me for the debt and has placed a lien on my property. The debt collector is not named in the judgement and is no longer responsible for collecting the debt. I have disputed this debt on my credit report with all 3 credit bureaus more than 5 times and have provided them documentation of the judgement with the original creditor. I have contacted the debt collector to ask them to please stop reporting a debt they are no longer responsible for as the account is closed. The debt collector has refused to stop reporting the debt. The credit bureaus keep verifying the debt as valid. I have no clue how to get this removed from my credit report and need help.
The U.S. Bank charged me $ XXXX/per overdraft. They continue to do multiple charges overnight when your deposit is considered not in place yet. I cashed my checks at XXXX and deposited my fund to cover the checks at XXXX. I ended up getting 3 overdrafts. Over the phone, different branches, home branch included and all the bankers were finding their ways to excuse that 's not the bank 's fault. That 's to tell cut-off time is on customer 's fault. I asked if there is any leeway or courtesy to help waive some overdraft fees as I have never had that happens to my US Bank account, they insisted at NO. Horrible banking experience, terrible customer service.
The XXXX XXXX XXXX where I deposited my US Bank check into charged me {$12.00} fee for the return check while I 'm their newly opened account owner and unfamiliar with banking at XXXX XXXX XXXX. I asked the local branch banker and he turned to ask his manager, none of them could help reverse the fee. It was another bitter moment.
I forgot my book of checks from XXXX  where I hold most of my fund. I had the book of US Bank checks with me instead, so I use those checks to deposit money from US Bank to XXXX XXXX XXXX. I lost {$120.00} due to unfair overdraft charges and bureaucracy.
Iowa Student Loans ( now Aspire Servicing ) is harassing myself, my family, & friends even though I am up to date on my payments. They are currently calling anyone I have ever put as a reference in a very creepy manner, refusing to say why they are calling. This is scary to my loved ones as I am currently going though a custody battle & they have been worried for my son & I 's safety. I am personally receiving calls up to XXXX times per day on my phone while I am at work. I had to block their phone number as the constant calls was disrupting my life. I do not see the need for constant calls when I am up to date on payments!!!!!!!!!! Now they are calling from other numbers. When I answer they refuse to say what company is calling. For my safety I can not play these games, as it could potentially be my ex up to no good again. Again, this is irrational & harassing as I am up to date on payments. When I call their XXXX number to get to the bottom of this, when I finally get a human on the phone they are confused as to why they are even calling. Yesterday I was told " we would never call you like this unless you were behind on payments. '' Once I pointed out that I am not behind on payments the man on the phone was very confused & put me on hold. I warned him that I already had a patient in the waiting room & asked for a supervisor 's phone number so I could call back later to attempt to resolve this issue in a timely manner. He refused to give me a number to call back ... This constant & unnecessary harassment is causing me unnecessary stress & causing my XXXX to worsen. Please help me resolve this issue.
this is a weird reason to use cfpb i can think of nothing else so i can recover my time and well being already lost. i am a PLAINTIFF who is trying to get some funds from a garnished account. I have tried everything and need help cutting thru RED TAPE. the social security nnumber of defendant is XXXX. I mailed a request for funds, on XXXX had branch in XXXX nj do it or asked them tofax request XXXX since legal order processing told me to tell the branch to fax it to speed it up STILL NOTHING i faxed a request on XXXX to get some of the money to which i am entitled as per legal order nothing has resulted in anything. They still to this minute on XXXX HAVE RECEIVED NOTHING SO I CAN GET MY MONEY AND MAINTAIN THE HOLD ON CUSTOMERS ACCOUNT WHAT IS WRONG HERE? I AM DONE BEING SENT ONA WILD GOOSE CHASE. POSSIBLY THE BRANCH IN nj DID NOT FAX IT ON XXXX AS I ASKED BOTTOM LINE ITS BEEN SENT 3 TIMES I NEED THE MONEY TO WHICH I AM ENTITLED AS PER COURT ORDER HELP HELP HELP HELP
I had a card with XXXX XXXXXXXX XXXX  XXXX XXXX. This account is paid and closed. The creditor is still reporting this account with a balance as a charge off. 
When i made the arrangement to pay the card off i was told after the payment that the account would be deleted from my credit file. 

I also asked for this is writing after the payoff which was over a month ago and i never received anything and the account is still reporting incorrectly on my credit report
Began XXXX in XXXX. Approved for a Parent Loan Waiver in XXXX. While submitting documents to prove my XXXX, all payments were not needed. XXXX years qualified me for the waiver. However, I have told Dept. of Ed and then Edfinancial of my financial hardship through the many forebearances being granted. My limits on income were governed by XXXX rules ; hence the two aforementioned depts. knew of my XXXX status. Nelnet ( another servicer ) told me I would be reimbursed payments made when I was XXXX as I can prove long term XXXX. I fully expected a decent reimbursement that is supposed to arrive in 45-60 days after XX/XX/XXXX ( my approval start date ). Suddenly, Nelnet says I will not receive any reimbursement when I called for a status update. Earlier on same day ( XX/XX/XXXX ) a Nelnet rep said I would get a reimbursement of over {$2000.00} ( I ordered payment history of my loan that began in XXXX. ) Please help, what is going on.???