WillisBack/dataset-financial-user-claim huggingface dataset:
For the last several months, I have been receiving 2 calls every single day on each of my contact numbers. The callers either hang up immediately, or refuse to disclose who they are or the name of their company. Today I called back for an agent and was connected to a woman named XXXX. She refused to provide any information regarding the debt, agency, or company, and hung up on me 3 times before I immediately requested a supervisor. This debt has already been paid off, and this agency 's repetitious, harassing phone calls without actual communication is extremely frustrating. I didn't even know this number belonged to a collection agency after MONTHS of their spammy calling.
I had a disputed ( false ) charge of {$92.00} on XX/XX/17, which was properly removed that month. I closed my account at the end ofXX/XX/2017- or early XX/XX/2017. 
I received another letter on the closed account dated XX/XX/2017 confirming I wasn't responsible for that charge. 

However I later learned they posted a new charge of {$92.00} on XX/XX/17 on the dead account without my knowledge. 

In XX/XX/2017 I discovered they reneged on the removal of this charge. I filed a dispute on the Chase website where they stated I'd get a written notice of conclusion. 

I called on XX/XX/17 advising I had a XXXX balance closed account for several months and never charged anything new. I advised I do not owe late fees or the amount they allege and they can not treat this like a fresh account. 

The company refuses to offer an accountable person who is competent enough to completely resolve the dispute. Instead, they are filing negative credit reports as if it's an active revolving credit account. There appears to be no way to resolve this.
This debt is a credit card debt I believe - I never received any verification of debt. The collection company, Unifund, filed for judgment against my homestead property in XXXX. I was going thru a divorce and the death of my brother from XXXX. I just received a copy of a cause filed for notice of substitution of counsel for Unifund - I have not received any certified mail for this information. 
Texas Law under the Texas Property Code, Title 5 A provides protection for a homesteaded property against debtor claims and is exempt from this type of collection. I am requesting immediate removal and release of the current judgement that was filed in XX/XX/XXXX against the property located at XXXX XXXX XXXX, XXXX, Texas XXXX. The county records clearly indicated the homesteaded designation and the attorney for Unifund accessed those records prior to filing in court. I respectfully request immediate release of the judgement by the firm or the substitute attorney or entity who is assuming the cause. Please immediately prepare and execute the document, file it in the court and clerks office with a certified copy sent to me. I am attaching a copy of the voters registration for the property from XX/XX/XXXX thru current copy of the county records showing the Homestead exemption in place. Additionally I am sending a copy of the complaint to the Texas Attorney General Office for records.
I have been requesting verification of the following account that Experian continues to report on my credit file : XXXX Bankruptcy # XXXX. 

I demand that this public record XXXX Bankruptcy # XXXX is removed due to lack of verification and inaccurate reporting of verification date! 

I have repeatedly requested tangible documentation whether electronically or hard copies and Experian has yet to verify. All they send is Verified on my report but do n't list any names or address on how this is verified and then state they will not dispute this anymore. I demand that this unverified account : XXXX Bankruptcy # XXXX is PERMANENTLY DELETED FROM MY CREDIT FILE
I recently received a letter in the mail on XX/XX/XXXX from an outside independent legal entity notifying me that I was being sued by Midland Funding LLC/XXXX XXXX XXXX regarding a credit card account that was filed in Philadelphia Circuit Court on XX/XX/XXXX. 

I would like to make the CFPB aware of this occurrence as I never received a formal document from Midland/XXXX  XXXX notifying me of the possibility of a default judgment or documentation demonstrating the suit that was filed in the Philadelphia Municipal/Circuit Court for period XX/XX/XXXX through XX/XX/XXXX. 

I would like be contacted by a representative of either/or both XXXX XXXX & Midland Funding LLC via phone or email in order to facilitate a mutually beneficial payment arrangement as I would like to avoid a potential default judgment as I do not have any available PTO to attend the legal proceeding scheduled for XX/XX/XXXX and also do not have additional funds available to pay for legal representation. 

Latest updates are that I never received a letter from XXXX XXXX and XXXX regarding in XXXX as referenced in Midlands letter of response ( attached ) to my initial request to create a payment arrangement which was submitted through CFPB - and if I had not been contacted by an outside legal entity that I would not be aware that a court case was entered against my name. As a result of this discovery I have repeatedly reached out to XXXX XXXX XXXX and have left voicemail messages with XXXX XXXX and also physically spoken to a team member that promised they would have the attorney on the case call me back or email me on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. I still have not received a call/ voicemail message or an email in response to my request to create a payment arrangement. As I have not been given a file number yet due to no one reaching out to me - I am unable to establish a payment arrangement or initiate a payment. Can someone please advise me on whether I should initiate a payment arrangement with Midland if XXXX XXXX XXXX does not contact me via email/phone or respond to my phone calls prior to the XX/XX/XXXX court date? I do not have vacation/leave available to go to court or additional money available for legal representation and would like to establish and arrangement in order to resolve this issue. If I am unable to resolve this issue a judgment would put me into an even more arduous financial situation. I will continue to call XXXX XXXX XXXX as I would like to establish an arrangement as soon as possible. Please Advise.
Below is my email to the Equifax PR Director this morning that was returned as undeliverable : To : XXXX XXXX XXXX I feel Equifax 's online fraud alert system has issues. I generally request a fraud alert by phone by calling XXXX. Yesterday I called and the automated system stated the system for phone request for a fraud alert was not in service. It stated a fraud alert could be place online or by mailing Ecquifax. Later, after placing the fraud alert online ( without receiving immediate confirmation of receipt ) I located a telephone number on your website for phone request for a fraud alert. I called it and it is operational. The XXXX system should have provided that number for a fraud alert. 
I completed the online fraud alert request and on hitting " Submit '' my computer screen went totally white. I went back to the request page and your Terms of Service states " you are willing to receive email notification ... and if not received, provides the Equifax mailing address. There is no indication of how long one must wait to receive that notification. 
Here is the problem : your fraud alert request requires almost all personal information necessary for identity theft - name, SSAN, address, previous address, DOB, etc. Without immediate confirmation of receipt, the person requesting does not know where his or her personal information has been sent, who may have received it, or if hacking is possible. 
I called XXXX this morning and spoke with your representative XXXX. After explaining this she said my request would be " expedited. '' When asked how long " expedited '' might take, she said 8 - 10 business days - another unacceptable delay. 
I was so frustrated yesterday after the online submission that I filed a complaint with the FTC. This morning I 've received an email from the US Gov. agency over credit reporting agencies and unless I get immediate assistance from Ecquifax, will file a complaint as they direct. If for any reason I have no resolution to my problem soon, I will then follow up with the appropriate agency for the State of Georgia and, if also necessary, request assistance from my Congressional Representative who has been helpful with issues in the past. 
Please understand how disconcerting it is for consumers who feel their personal information may be at risk. Your assistance will be much appreciated. 
XXXX XXXX XXXX, XXXX XXXXXXXXXXXX XXXX XXXX resolution would be immediate notification of if my online fraud alert was received and by whom.
To Whom It May Concern : I am writing this letter in response to the phone letter received from you on XXXX XXXX, 2016. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 
Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.
At the end of XX/XX/XXXX I contacted Citicard about an offer to spend {$1000.00} in XXXX months and receive a {$150.00} XXXX gift card. I needed to purchase a laptop. I remember speaking with a gentleman at that time who confirmed the above information which I had found online. He sent me a card in the mail - last XXXX numbers XXXX. I made my XXXX purchase on XX/XX/XXXX A few weeks later I contacted the company about a new card because I could n't find mine. They cancelled the above card and sent me a new XXXX - last XXXX numbers XXXX. Today, XX/XX/XXXX, I contacted the company about receiving my {$150.00} XXXX gift card. I have made around {$1200.00} in purchases to date. The woman I spoke with told me that I had not made my purchases within the allotted amount of time. Of course I disagreed with her stating that I should have till at least the middle of XXXX. She then told me that I had opened this card at the end of XX/XX/XXXX After speaking with a number of reps. including XXXX managers, I 'm being told that I opened a card at the end of XXXX ( XXXX I do n't remember opening ) and that the guy I spoke with at the end of XXXX cancelled out that old card and pre-dated the XXXX card to that date which only left me a few weeks to charge the {$1000.00} in order to get the {$150.00} XXXX gift card. He never mentioned any of this to me in fact he lied to me when he told me I had XXXX months. Even if I had opened a card, which I really question the legitimacy of that claim, he should have said something. My recent conversations with customer service confirmed to me that this old card had never been activated and no charges had been put on it. Regardless of how I 've tried to explain the issue I received no help. They continue to refuse to honor the offer and reward me with the {$150.00} gift card.
I was alarmed once I reviewed my XXXX, XXXX and XXXX   credit reports and found that I was reported as having a late payment on the date below : 30 days past due as of XX/XX/2016, XX/XX/2016 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it wasn't recorded on time.
I have been for weeks asking assistance due to the hurricane Irma so that one of my payments can be placed at the end of the lease and after having multiple conversations with several representatives of XXXX XXXX, I have arrived to the conclusion that they have made fun of me. They told me that they had already submitted the request for the approval of such assistance, days later on some other conversations I was told that the assistance had already been approved and that there was nothing to be worried about because all was current and in order with the account. Yesterday, I got a letter from XXXX XXXX reflecting still a due amount not corresponding to the supposedly new approved schedule of payments and today I called them out and was told that the request for assistance with one payment at the end of the lease due to special circumstances of hurricane Irma had never been created nor submitted. This is a total lack of respect to consumers which is by the way a pattern with XXXX XXXX due to the their abusive and predatory practices on a regular basis plus the excessive charges and fees that they charge to their costumers constantly.
I purchased a XXXX XXXX XXXX from XXXX and financing was thru YKS Acceptance. I have seen the complaint against then and have contacted the CFPB and was advised that I needed to contact XXXX. I have done so on several occasions and I get told that I need to contact the CFPB. I want to know if I will be included on this. My Acct number with YKS Acceptance is XXXX. I have had nothing but problems with this vehicle and they would not negotiate pricing, charged us {$2500.00} for extended warranty and i would still end up paying for repairs. within the XXXX 30 days the head gasket blew and they charged me for towing of the vehicle back to the shop. I needed a vehicle for my family. they did not give us the option of looking other places for loans.
TO WHOM IT MAY CONCERN : I was required to pay a fee to open up a checking account in order for me to become a member. However, my access to the online portal has been blocked for some time now and just recently I received a letter that informed me that PenFed is no longer serving my account. Meanwhile, I have not received a refund for member service charges or any notification on why the checking account was closed. Furthermore, membership to PenFed documents does not show any claim that PenFed reserves the right to close memberships including checking accounts without notification or consent or withhold refunds.
On XXXX I did a transfer to XXXX, when the recipient went to get it on the XXXX of XXXX he said that the money gram agent said the money has been picked up so I called money gram on the XXXX and the agent said the same thing, I explained to him that the recipient did n't get the money, that agent told me to ask the recipient to return back where he tried to collect the money and have them check the computer so he did, but the agent in XXXX told him to tell us ( his father and I ) to go back where the money was transferred to fix the problem. On Tuesday XXXX XXXX, 2016 I went back to the location and that agent said it was picked up when I explained the situation she called money gram and put me on the phone with them. I explained the situation to the XXXX ( the agent on the phone ) and she was asking me some irrelevant questions like do I know this person, when was the last time I saw that person face to face, what is my relationship with that person, why did I send him the money, what did he tell me he was going to use the money for. I told her that those types of questions are irrelevant, stupid and have nothing to do with my concerns all I need from money gram is to tell me who picked up the money and what kind of ID was used by the recipient for the agent to release the funds. XXXX said that she could n't see that information, all she was able to see was that it was picked up and I find that to be not true. Because what is the purpose of asking for picture ID if it will not be used and entered in the system as evidence that the recipient is the XXXX collecting the funds. She told me that money gram will open an evestigation and I will be notified in 90 days about the result. I told her that I could n't wait for that long to get an answer. Now let me say that this is the first time I am in this situation with both the recipient and money gram and I am aware that the recipient may be lying to us although he never done it before and I strongly believe that money gram is responsible to provide me proofs that the recipient picked up the money instead of interrogating me and I told XXXX that, if the money was picked up what was used then I know the recipient is lying to us or if it was not picked up how do I get my money back.
Attached please find [ 4 ] Form XXXX issued by XXXX wherein they make notice of " Cancellation of Debt ''. Each of the XXXX relates to the following XXXX Credit Card accounts which I have repeatedly disputed. XXXX : # XXXX, XXXX : # XXXX, XXXX # XXXX, XXXX : # XXXX. Each dispute was met by XXXX 's claimthat they verified the account as accurate. Recently, I received refund checks from XXXX related to these accounts. I was told XXXX had not handled my disputes properly and had in fact overcharged these accounts on numerous occasions. The XXXX revelations came about due to complaints to Consumer Financial Protection Bureau, a subsequent investigation, and settlement agreement with CFPB wherein certain XXXX members would be reimbursed for XXXX 's errant ways. 

As the attached XXXX will attest, XXXX has abandoned all claim to the referenced accounts and cancelled the debt associated with each. Nonethereless, XXXX, XXXX, Equifax, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and others continue to report innacurate information related to my credit report. 

The continued publication and dissimination of this inaccurate credit information is a manifest injustice. 

Next, I have been unable to " get verified '' by XXXX XXXX, XXXX  or Equifax in order to obtain a code to temporarily lift my credit freeze. TO say I have been led down a primrose path in my multiple attempts is an understatement.
I missed a few payments on XXXX private loans managed by American Education Services ( AES ) while I was sick. When I was told the XXXX loan would default, I began making payments and quickly paid off the past-due amount. However, by that time, XXXX of the loans had already been placed into default. For that loan, I received no communications - at all - about past due amounts or a warning that it would be put in default. I confirmed with AES that there was no communication received regarding that loan. I contacted AES in writing to request the loan be taken out of default, because I was not notified of the past due amount or the default, and to make my payments current. I was told no.
I have a XXXX lateness on my account from XXXX to XXXX. The issue I have with capitalone was that I was not notified of my outstanding balance on this account. The only reason I got to it 60 days late was that I decided to log in to capitalone 's online website and saw that there was a balance. I immediately set up payment arrangement for XXXX, XXXX and XXXX and paid off the balance. Normally I get notified through text or email which I had previously set up in the online alerts section of their website but because of an error in their system I did n't receive those alerts. Because of the error I disputed the lateness with capitalone. After going back and forth with them several times through letters I wrote the company they still have not complied with my request. I have had this account open and in good standing for almost 5 years now and have never once missed a payment.
It is with great disappointment and sincerity that I approac hed Ditech Financial to c onsider my request. I had requested a work out plan that was affordable.   Our struggling began  in 2015 when my  husband lost his job and I was the  only one brin ging in income. For a family of  XXXX . .My husband did everything to find a job. This could not had happened at a worst time. we had a reduction of income and increased expense s.. Ditech provide d a trial period. However, I made my first two payments and when I went to pay my third payment they because I made after the first Ditech will not accept it.   I desperately ask they allow me the chance to keep my home ..I have small children.   I am also certain that our financial situation will improve for my uncle is now contributing for he is home with us..   I am begin for a chance. Please review our situation, our financial and adjust our mortgage payment to an affordable level.   I hope and pray Ditech considers my request.
Under the new law effective XXXX XXXX, 2017, any public record data must include name and address as well as social security number or date of birth in order for it to appear in your credit file. The credit bureaus have not updated the information and per the new law the Bankruptcy listed does not include this information and should be deleted from my credit reports.
Purchased vehicle and received title once debt was paid in full. Went to get a credit report and there's a charge of {$160.00} from America 's Carmart.
I purchased a new XXXX XXXX XXXX in XX/XX/XXXX in which XXXX XXXX   financed my car. I have noticed that when I make my monthly payments each month since XX/XX/XXXX to date the amount of my payment being applied to Interest vs. my Principal balance is not consistent. In fact, some months my entire monthly payment in XX/XX/XXXX is going to Interest only and none towards the principle balance. This seems like a deceptive practice and I still owe {$21000.00} on a XX/XX/XXXX car that is falling apart. My principal balance is not coming down due to the unexplained way my monthly payments are being applied ( primarily to interest ). I would like this investigated.
Each time that insurance premium is due, they ( OCWEN ) say do not have insurance. They pay late. This time they have not paid, and I now do not have insurance, but I bet they are going to charge me to have their ( OCWEN ) insurance. You can get backup from me and my insurance carrier. They also, for a time was not applying that paying extra monthy, that paying bi-weekly and not sure where that extra money was being credited. When reported them last go round, I went from owing about XXXX to XXXX just like that. The company is not easy to get a person and if you do, they can not tell you anything, you must contact this number. We pay on time and extra, and I expect to have coverage on insurance. At this time, I am working to get a payment to my insurance, but I bet I have a letter coming about having to pay their insurance because they can not provide I have insurance. I have emails showing they are being contacted and that they handled last time. This is a very questionable company, and I am at risk because of their questionable business ways.