WillisBack/dataset-financial-user-claim huggingface dataset:
I have asked repeatedly for Global Trust Management to stop calling my place of employment. Not only am I not allowed to take personal calls but this is putting my job in jeopardy. If I have no job they have no way of me repaying them. They also continue to repeatedly call my cell phone multiple times a day. I have already given them a date when I would be able to start paying them, but they consistently keep calling both personal and work phones. I understand I need to pay back and I will but they are invading my rights and not taking into consideration their actions or my situation. I receive over 15 calls a day from them always from different phone numbers. It is getting worse each day.
This is an invalid debt. The debt belongs to XXXX XXXX account that does not exist on my credit reports. 

I have sent multiple Debt Validation letters to CAVALRY PORTFOLIO SERVICE at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX address and never received any information about this. Please take a look into this as they refused to validate my debt and sabotaging my credit report at the same time.
I am victim of identity theft. I never applied for a XXXX credit card account. The following XXXX credit card accounts do n't belong to me : XXXX and XXXX. I have never applied for a XXXX credit card account.
I went to Florida Hospital XXXX XXXX XXXX in the year XXXX with a XXXX insurance. I was provided service and I gave my XXXX details. In XXXX, I was monitoring my credit report and saw collections from ability recovery of an amount of {$850.00}. When I called them to explain that I had XXXX and that the provider was responsible for claiming the money from XXXX, they were mean and rude to me, called me a liar and refusing to take responsibility. They will not listen to me or even give me any information. They only want my credit card details. They have been calling my phone constantly, threatening to hit my credit. I have contacted the credit bureau to get this resolved but the collection agency keeps putting it on there. I'm totally not liable for this debt. The provider failed to claim payment from the insurance I had at the time. I don't use that insurance anymore and i'm not responsible for the said amount. Thank you.
I have reported identity fraud with all 3 credit bureaus. There is an account from an apartment that is not my account. XXXX  and XXXX has handle the issue and updated my reports but not Transunion. I have called and sent out letters to relsoved this issue but I have not heard or recieved feedback about this account. I want it removed. It is not my account and I'm getting upset because it's affecting my credit!! 
The amount of {$1800.00} give or take form XXXX XXXX.
The parties entered into a HAMP permanent loan modification agreement onXX/XX/XXXX, which expressly provided that the modified principal balance included all amounts, including escrows, that were past due. The loan documents confirm that any past due real estate taxes would be added to the mortgage loan balance. For reasons the servicer refuses to explain, theXX/XX/XXXX real estate taxes where not paid until XX/XX/XXXX The servicers untimely payment of the real estate taxes breached the terms of the loan modification agreement which required that all past due amounts be capitalized. This also caused an escrow shortage which caused my mortgage payment to rise to an unaffordable level. <P/>In an attempt to resolve this matter, the parties have engaged in extensive written correspondence as follows XX/XX/XXXX ( borrower )XX/XX/XXXX ( lender ) XX/XX/XXXX ( borrower ) XX/XX/XXXX ( lender )XX/XX/XXXX ( borrower ) XX/XX/XXXX ( lender ) XX/XX/XXXX ( borrower ) XX/XX/XXXX ( lender ) XX/XX/XXXX( borrower ) A copy of the correspondence is being uploaded.
I have a private loan from XXXX school in XXXX that I placed in deferment when I returned to XXXX in XXXX after several years of working and repayment on the loan. I received notice that my deferment would be ending on XXXX/XXXX/XXXX, five months prior to my graduation date. I called the servicer to extend the deferment through my graduation. 

AES advised they were unwilling to extend my deferment despite verifying my enrollment as a full-time student. AES advised that my grace period would cover me through graduation though. I explained that it was not helpful because I want my grace period to end six months after graduation not one month after graduation, because of taking the XXXX and finding employment. 

AES then advised it was n't a big deal and I could just do a forbearance after the grace period for the additional months. I explained this was not an acceptable resolution because I do n't want my loan to go into forbearance when it should be in deferment and grace period. There are negative ramifications to a forbearance and I feel they were misleading when I should be eligible for deferment. Clearly an attempt to unfairly deceive in-school students out of their grace periods.
I file dispute with Trans-union about inaccurate information on my credit report. They corrected the inaccuracy ; however, at the same time place XXXX very damaging inaccuracies on the credit report even though these accounts have been paid off for 8 months. This companies practices are very unethical and they are very inaccurate.
I have been battling with EXPERIAN to remove a foreclosure off my credit report that is over the 7 year mark from the 1st date of delinquency which based on their findings and the attached credit report they are bullying me. I 've sent over 6 dispute letters Please help this is keeping us from getting a house. Thank you for being a voice for the people
On XX/XX/XXXX, I reached out to a Capital One representative via phone after a transaction I tried to make at XXXX XXXX XXXX was declined. Upon speaking with the representative, she informed me my account was over 30 days past due the amount of the current credit card annual fee of {$35.00}. I indicated to the representative that I did not know there was a payment due because I had paid the account down to XXXX several months prior and did not check the estatements sent to me once I confirmed the account was at XXXX. The annual fee was charged in XX/XX/XXXX, the {$35.00} due in XX/XX/XXXX and not paid, therefore, 30 days past due in XX/XX/XXXX. I questioned her why I was not notified a different way, besides the monthly estatements, since I did not make the required payment and it was late. I proceeded to confirm with her that Capital One had my correct email address ( to send me a separate message ), my cell phone number, my home number and my work number, as well as, my current address. No communication was initiated by Capital One to me to attempt to collect this past due payment. It was only when I used the card in XX/XX/XXXX, was declined for the transaction, and then reached out to a representative that I knew the payment existed and was past due. I communicated this information to the representative and she agreed that Capital One should have reached out to me but her records showed no other communication to me besides estatements. I didnt dispute to her that I owed the annual fee payment, and agreed to give her the information needed to make the payment during the conversation and bring the account to XXXX. At that time I asked her if this 30 days past due information had been sent to the credit reporting agencies and therefore going to affect my credit. She confirmed it had been sent and I asked if she would send the reporting agencies corrected information removing the 30 days late given the circumstances I described above, and in conjunction with my good account history with this card, as well as a second card from Capital One I held at that same time. She agreed she would send corrected information to reflect NO late payment ( s ) and completed my payment for the annual fee. On XX/XX/XXXX I contacted Capital One via phone and spoke to a different representative to confirm the late payment information had been sent to correct my credit history and to close this credit card account. It was confirmed the information had been sent and the account was closed per my request. I have since tried to dispute the late payment information via XXXX and XXXX credit history dispute process online and have had no success correcting this late payment information on my credit history. This late payment will remain on my payment history for several more years until the typical seven years of payment history cycles through and it falls off. Until then, it is affecting my ability to gain further credit at this time. Attached is a screen shot of my XXXX credit report info of this credit card account I held from XX/XX/XXXX - XX/XX/XXXX, it shows all but the last 4 numbers of the account number for reference.
They are saying they can take me to jail for something i knew no knowledge of has farr as XXXX for my lisense plat XXXX
I have been trying to get statements for my XXXX motorcycle loans. In XX/XX/XXXX, USAA said I will no longer be a member with USAA. Since then I have n't gotten any statements. When I call I am asked to answer security questions. After they verify my information then I am put on hold, sometimes this hold is forty eight minutes to an hour. When the representative comes back, their reply is to hold for a manager. Again the wait varies thirty to forty-five minutes. When manager answers, they go through the verification again. Only for them to tell me they can not access my loans. Then they will give me other phone numbers to call and they say the XXXX office is the only office that can help me. XXXX motorcycle loan was open in XX/XX/XXXX and the other XXXX opened in XX/XX/XXXX. Since XX/XX/XXXX I have not had access to my accounts and USAA has not provided statements to me. I have been mailing payments with no confirmation of payment received. I am currently in the process of selling the XXXX motorcycles and I need the payoff amounts, but again USAA has refused to give me access to my loans.
I contacted Health Care Financial Services in XXXX regarding an account that did not belong to me. I was told if I paid {$500.00} they would remove the account from my Equifax. I felt like i was being bullied by the agent so she could collect salary and the agency so could make money. The representative was very rude and aggressive. 
I have never received any services at the XXXX Medical Center in XXXX, Mississippi. The hospital has no record of any treatment under my name or social security number. I spoke with XXXX XXXX XXXX and she suggested that I filed a complaint against the agency and file a dispute. The alleged patient had a date of birth of 1966 and i was not even born in 1966. 
I feel that is unfair for these agents to wrongfully collect monies against innocent people who do not know their rights. 
The address was not my address either. 
After I did not pay this ladies salary when she gave me a deadline later they started reporting negative information that affected my credit score. My score dropped by XXXX points on XXXX occasions due to these bully 's. Later they added it to another reporting agency. 
As i started to fight them back I noticed that they started passing my information on to other collection agencies to report negative items as well. 
Consumers should not be bullied or spoken to in very aggressive and nasty ways by such agency representatives.
I asked this company to verify that this was my debt and when the date of the debt took place and they could not verify any of these. They sent a short letter with no information asking of ways to repay this debt without verifying any of the information I had asked. Date, date of birth, copies from original debt. Then they attempted to make harassing calls towards me in the evening past XXXX stating they would have me arrested if a payment was not made. Still they could not verify any information by sending me copies
Caliber Home Loans are demanding {$3000.00} or they are going to take our home. First of all we do not owe them XXXX we have been paying extra since our chapter XXXX and they are still saying we owe {$3000.00}. Chapter XXXX has paid them XXXX because they said we were behind XXXX payment. Then they approve us for a modification XXXX XXXX we filed chapter XXXX then but we thought we had the modification so we paid for a year the modification amount which they never told us they took it away so XXXX we paid extra to catch it up now it is all caught up and they are still saying we owe over {$3000.00} we do not want our home taken a way. Our mortgaged loan got sold three times. From XXXX to XXXX XXXX and now Caliber Home Loans they are frauds get us for more money that we do not owe please help us
Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Date : XX/XX/0001 Amount : {$4500.00} Account Name : USA FUNDS Account Number : XXXX
Equifax withheld information about a security breach which lead to 143 million SSN 's and other personal information to be stolen. 

I was not informed of this and my information has been mishandled, which could leave to a lifetime of difficulty with battles regarding identity theft. I demand action be taken against Equifax.
I created a Coinbase account in late 2017. My identity was " verified '' by them on numerous occasions. Despite this, I can not access my funds because Coinbase continues to say that I need to verify my identity. I have congratulatory emails from them stating that my identity has indeed been successfully verified. I've sent multiple emails to their support team only to get back an auto response telling me to keep trying to verify my identity. On their own site it even shows that my identity has been successfully verified. I'll attach a screenshot. At this point I just want to close my account and get my money back but I can't even do that. Please help.
Due to the nature of how this company closed my account when I was always current with payments I 'm disappointed at the fact that this is still showing on my credit report. I have n't applied for the store credit card since it was closed. The card was closed by a phone representative mistakenly several years ago when she assumed that I wanted to close the account. Once I found out that the card was closed I called to see if I could have the credit line again and I was denied. The phone agent closed the account without asking me for confirmation and since then I 've never had the opportunity to have a credit account.
Summary : 1 ) My loan payment be transferred again and again and very difficulty for me to pay ; 2 ) The Lender-live and XXXX gave different statement and no way for me to pay through XXXX. Detail : I closed my home in XX/XX/XXXX with XXXX XXXX XXXX with a 15 year fixed interest rate and I paid to this company and my mortgage payment be transferred to Lender Live in XX/XX/XXXX and I kept my payment through it with an amount of XXXX ; On the XX/XX/XXXX, I got letter from Lender Live that they will not accept my payment by XX/XX/XXXX and my payment transferred to XXXX ( the web is XXXX ) .I tried many times to enroll through XXXX since I got this letter and I could n't because my loan information is not on XXXX system yet.Until XX/XX/XXXX I enrolled and I could n't pay my XX/XX/XXXX payment, XXXX customer said my information on their system since XX/XX/XXXX and I need to pay for the payment through phone. I talked to this same person for more than 5 times for I ca n't log-in to pay and I was told there is one week gray period. With big argue XXXX waivered the charge for me to pay through phone. XX/XX/XXXX, I got the letter from Lender Live that start from XX/XX/XXXX my new payment amount is {$1000.00}, and XXXX mailed me same amount payment statement. I tried to log-in XXXX web to change the original {$1000.00} and I could n't log-in XXXX web system and I called XXXX customer and I was hold online for more than 1 hour with very rude customer : XXXX and no solution and XXXX told me : 1 ) call back late ; 2 ) the new payment amount is {$1100.00}. I called XXXX XXXX XXXX, Lender Live and my home county to check what 's the reason for all this troubles and my mortgage kept on transfer and so difficulty with check for my payment. I got refund from my insurance company of {$21.00} recently, and Lender Live said my payment should be {$1000.00}, and the escrow balance is {$400.00} to XXXX ; County said my tax will no change. With this XXXX is very frustrated and I doubt they control the online system and people ca n't manage the online auto-pay system then they will charge the fee or made the customer late pay or missed payment with the very serious consequence ; XXXX phone system said their office hour is XXXX-XXXX and nobody answered the phone after XXXX on regular office time. With a long time on the phone XXXX customer not only very rude by increasing the voice but also told me : it is Monday! I asked her does that is her answer for customer and she put me on holding for more than XXXX minutes to wait for the specialist to help me log-in and nobody 'sow-up ', and told me the payment date is XX/XX/XXXX and I have enough time. I told her NO because I spend more than 20 days to get XX/XX/XXXX mortgage paid and I do n't want to miss the XX/XX/XXXX payment and be charged for fee through their phone payment system and she was so mad with very rude tone to talk to me. I told her the mail from XXXX said my payment is {$1000.00} but she said that is not right and she said she talked to tax person. I had to stop the more than 75 minutes phone without any conclusion.
I have disputed items on credit report, and I received a letter that stated that they would not be investigating the matter. I would really like for this matter to be resolved, but they are not even trying to fix the items, so I came to you with this.
I have a business checking account with Chase Bank, and about 20 days ago they've closed our account and promised to send Cheque within 10 days after account closed. In last week, we send some merchant statements to Chase branch Manager and Ive never heard back from anyone yet. 

They holding XXXX USD total and they killing our business down to earth. If i had chance, i would burn XXXX XXXX into XXXX.
I I XXXX XXXX have a direct express debit XXXX card from Comericia Bank. I could n't find my card on XX/XX/2016 so I called direct express to cancel it but I could n't get through there phone kept saying they were busy and hung up a welfare worker also called she could n't get through either we called my balance went from XXXX $ to XXXX $ to XXXX $ because I could n't cancell it. They would n't tell me where the transactions took place how much said they send a paper in the mail never got it still. So I got paper from then that say if I file them out and they revived then by the 10 Bussniss day my card will get a provisanry credit for what I was disputing. I sent hard copy 's faced several copy 's here XXXX I faxed attached. The tenth day I called and they said first they did n't have my papered second they did they had all the faxes too I have q XXXX worker as a witness she was taking with me n directs express they had it all read the transaction amounts to us said my card would have money by XXXX XXXX. I called later that day to see if I had money yet and nothing so I asked when this other women says never. They closed your case I said why she said I did n't send my papers in. Then she said I did n the case was n't closed then she says it was then it was n't then the supervisor said I was not getting nothing I was a liar and a crazy and to bad for me. I call the police they never even called then to get any info for investigation at all so how can they not give my money back???? I 'm homeless I been XXXX because I had no place to sleep because XXXX did n't give me nothing back and it 's there fault there phones were down all that day and have been most days this month look up online you can see. I have rights they ca n't keep my monrh its XXXX law they have to give it back in 10 days that 's the law o need help XXXX with this not in a few weeks I calls u XXXX u did n't wan na rent my report I pray u do your job n help me call Comericia bank I 'm not the only one that 's had problems they were on the XXXX XXXX last month sane kinda thing and I 'm the liar??!! No I am not. I have XXXX calls recorded I had to I could n't behind the lies they were telling me XXXX supervisor told me to XXXX I get Ssi for a reason. I called a lawyer and he said let u do your job and if not we 'll I 'm XXXX but I still have rights n they said no one could hear is talk wgy they got to hide I no there lies, you need tu shut this place Down n it a bank thing it Comericia bank ok the card there the ones ok the end I not being jerked around I have XXXX XXXX to care for too really!!!! 
Thank u please help Md. I was in jail last year got out all my money was taken off my card then all and it was n't me but they wiujdbt even call the cops to see the cold nee who did it too but no they did n't care I do XXXX $ is a lot of money u need it tu b inside sleep. Thank you for your time.
I requested a {$4000.00} loan from SpringLeaf Financial. Springleaf contacted me via e-mail and stated I was approved for the loan. When contacted, I was told and I have in writing that I would be saving on interest. Springleaf made me sign everything digitally and did not provide me with the documents. Additionally they took my vehicle title and will not return it. The interest rate of the loan is 25 % my original loan was 11.34 %, therefore my interest rate more than doubled.
On XX/XX/2018 a repossion validation letter was sent certified to NMAC regarding a reposession. 14 days was given for the company to respond and to provide the documents in question. NMAC did not respond at all. Since tracking was attached I know that the letter was received on XX/XX/2018 at XXXX XXXX. Since NMAC failed to respond with the appropriate documentation within the allotted 14 days they are no longer permitted to report any deficiencies related to this account on my credit report ( s ).  Per FDCPA and FRCA regulations. NMAC is now in violation by continuing to report this deficiency with fine starting at {$1000.00}. I fully intend to pursue litigation is NMAC does not remove this erroneous debt from my credit report. All opportunities were given for NMAC to validate this debt. NMAC does not have permission to contact me by phone, e-mail, or US postal mail. All communication is to be through the CFPB. I hope that this can be resolved quickly as I am a litigious individual and will not hesitate to seek damages against NMAC under all available State and Federal statutes and UCC-9 remedies as well as violations from FRCA and FDCPA.